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Get Rewarded to Buy Things!

KEY FEATURES

3% cash back icon
Cash Back
No monthly fee icon
No Monthly Service Charge
ATM fee refunds icon
ATM Fees Refunded

Just WIN! Cash Back Rewards

Get rewarded to buy things! With this package, earn 3% cash back on debit card purchases up to $6.00 cash back each month. Includes refunds of ATM fee nationwide, as well as no monthly service charge. To qualify each month, just log into Digital Banking at least once, and have at least 18 VISA® check card purchases post to your account. Some restrictions apply.

Summary

  • 3.00% cash back on VISA® check card purchases1
  • Up to $6.00 cash back each month1
  • Refunds on ATM fees nationwide2
  • $100.00 minimum opening deposit
  • No monthly service charge
  • No minimum balance requirements
  • Free basic Digital Banking
  • Free Electronic Statements3

Earn Your Rewards

Each month just do the following to qualify4

  • Have at least 18 VISA® check card purchases post to your account5
  • Log into Digital Banking at least once

If you don’t qualify, don’t worry! You still get unlimited free checking, and you can get the rewards back the very next monthly qualification cycle.

Ready to Open Your Account?

Give us a call today or stop by one of our branches.

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Do More with your Account

 

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Take your debit card home with you the same day

Instant Issue VISA® Check Card

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View your account anywhere with mobile banking

Digital Banking

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We offer many other electronic services

Other Electronic Services

 

1When Cash Back Rewards qualifications are met during a Monthly Qualifying Cycle, the account can earn up to 3% Cash Back on qualifying debit card purchases up to $200.00 during that cycle period up to a maximum cash back amount of $6.00 per monthly qualification cycle.

2If you have met the minimum qualifications for the Monthly qualification cycle, we will refund you up to $25.00 in nationwide ATM fees incurred during the Monthly qualification cycle in which you qualified. Murphy-Wall ATM refunds are credited (posted) to your account on the last day of the current Statement Cycle (the day your statement is prepared).

3Acceptance of our Consent for Electronic Transactions, Records, and Signatures agreement, including a valid email address and the account holder’s enrollment in electronic delivery of statements, notices, and disclosures, is required to open and retain Just WIN! Reward Accounts with us. Should an email become undeliverable or you do not access your Digital Banking account pursuant to the Qualification requirements for 3 or more Qualification Cycles, Murphy-Wall State Bank and Trust Company reserves the right to convert your JUST WIN! Reward Checking account and place you in our Just WIN! Checking Account that does not hold qualifier requirements and may include monthly Service Charges.

4Just WIN! Cash Back Rewards Qualifications must be met each period from the third Thursday each month (the day after the statement is prepared) to the third Wednesday evening the following month (the day the next statement is prepared). Transactions must be posted and cleared (settled) by the evening of the third Wednesday of each month in order to count towards your qualifying transactions in order to obtain your Just WIN! Rewards. Transactions that do not post and settle on the same day the statement is prepared (cut) are counted toward the next qualifying period. Accounts automatically qualify the first qualification cycle which is from the day the account is opened to the day before the statement is cut. If monthly qualifications are not met, you will not receive cash back on debit card purchases and ATM fees will not be refunded. If after three (3) consecutive statement cycles, the Just WIN! Cash Back Rewards Qualifications have consistently not been met, Murphy-Wall State Bank and Trust Company reserves the right to convert your Just WIN! Cash Back Rewards account and place you in our Just WIN! Checking Account that does not hold qualifier requirements and may include monthly Service Charges.

5Qualifying Visa® Check Card transactions do not include ATM transactions. Internal bank transfers do not count as qualifying transactions.

 

Full disclosure or terms and conditions will be provided at product or service opening, upon request, or as required by law or regulation. Contact a CSR for Complete Details! Member FDIC.