Monthly qualifiers

Each month, when you receive your statement electronically, have at least one direct deposit or automatic payment and have at least 18 debit card purchases post and settle – you are qualified to receive your rewards.

Cash back possibilities

You can earn up to $10 Cash Back when you meet your monthly qualifiers and your 18 (or more) debit card purchases total:
Tier 1 $300 – $2,500 = Earn $5 cash back
Tier 2 $2,500.01+ = Earn $10 cash back

Qualification cycle

Your qualifying cycle starts at the first of the month and ends the last business day of that month.


Rewards are real-time, all the time. Once you’ve reached at least 18 posted and settled debit card purchases and had a direct deposit or bill payment (the e-statement is automatic once you sign up) – then you’re in the reward zone for the month. This means you’ll see your ATM fee refunds (up to $25 total each month) happen by next business processing day.


Minimum to open is $50. All qualifying transactions must post and settle to the Leverage account during the statement cycle. If qualifications are met during the statement cycle, you will receive cash back reward based on the corresponding tier of the total dollar amount of debit card purchases that post and settle to the account during each statement cycle. Transactions and activities may take one or more banking day(s) from the date the transactions or activity occurred to post and settle to the account. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, and debit-card transactions processed by merchants and received by Richwood Bank as ATM transactions. Domestic ATM fees incurred during the statement cycle will be reimbursed up to $25 and credited to account. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. 

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