Reward Checking is perfect for those who demand more from their personal checking.

City Bank Rewards Debit Card

Earnings Demand more from Personal Checking

Feel like you deserve a whole lot more from a personal checking account? How does 0.75% APY1 on your balance sound? Sign up for Reward Checking and start earning interest right away. You can even earn service fee refunds on any ATM you use worldwide2

There are no balance requirements, no maintenance fees and no penalties if you don’t meet the requirements. Even if you don’t qualify for any given month, you’ll still earn our base interest rate of 0.01% APY1, and can qualify for the reward interest rate again the next month. Plus you can always enjoy the revolutionary free services that City Bank offers, including online bill pay, mobile banking and many others. Learn how Reward Checking can help you earn more.

Earn big-time Rewards

Earn a great interest rate and ATM fee refunds just by doing simple things you’re probably already doing. To make it even easier, we provide three reward levels, instead of an all-or-nothing approach. So start earning your City Bank rewards today!

Open an Account



A service charge of $5.00 will be imposed each statement cycle for receiving a paper statement5.
  • Earn ATM Fee Refunds Worldwide2
  • Free Online Banking
  • Free Online Bill Pay
  • Free eStatements
  • Free City Bank Debit Card3
  • Free Checks4
  • Free Mobile Banking 
  • Free Mobile App
  • Account Requirements


    Level

    3

    Earn the highest interest rate and ATM refunds
    Minimum Balance
    $0 to $149,999.99
    APY3 0.75%
    Interest Rate 0.75%
    $150,000 to Over
    APY3 0.50%
    Interest Rate 0.50%

    Qualifications

    If you don't qualify for level 2 or level 3 rewards in a particular month, don't worry!

    There's no penalty, no monthly service charge, and you still earn our base interest rate.

    Plus, you can get right back to earning the higher interest rates and ATM fee refunds the very next month.

    Rewards
    20 debit card purchases4

    calendar
    4 electronic payments or direct deposits6
    e-statements_03
    Receive e-Statements


    Level

    2

    Earn the highest interest rate and ATM refunds
    Minimum Balance
    $0 to $149,999.99
    APY3 0.25%
    Interest Rate 0.25%
    $150,000 to Over
    APY3 0.20%
    Interest Rate 0.20%

    Qualifications

    If you don't qualify for level 2 or level 3 rewards in a particular month, don't worry!

    There's no penalty, no monthly service charge, and you still earn our base interest rate.

    Plus, you can get right back to earning the higher interest rates and ATM fee refunds the very next month.

    Rewards
    8 debit card purchases4

    calendar
    1 electronic payments or direct deposits6 

    Good
    Level

    1

    Earn the highest interest rate and ATM refunds
    Minimum Balance
    $0 to $149,999.99
    APY3 0.01%
    Interest Rate 0.01%
    $150,000 to Over
    APY3 0.01%
    Interest Rate 0.01%

    Qualifications

    If you don't qualify for level 2 or level 3 rewards in a particular month, don't worry!

    There's no penalty, no monthly service charge, and you still earn our base interest rate.

    Plus, you can get right back to earning the higher interest rates and ATM fee refunds the very next month.

     

     

    Reward Levels Level

    3

    Earn the highest interest rate and ATM fee refunds2
    Level

    2

    Earn a higher interest rate and ATM fee refunds2
    Level

    1

    Earn interest 
    Balance APY1 Interest Rate APY1 Interest Rate APY1 Interest Rate
    $0 to $149,999 0.75% 0.75% 0.25% 0.25% 0.01% 0.01%
    $150,000 and over 0.50% 0.50% 0.20% 0.20% 0.01% 0.01%
    Qualifications

    The following must post and settle6 to your account each qualification cycle to earn the higher interest rates and ATM fee refunds.

    Requirements must be met by the third Wednesday of each month. Statements will cut and interest will credit to the account the following business day. 

    Rewards
    20 every day debit card transactions3

    calendar
    4 ACH7 items must post and settle5

    bill-pay_03
    1 bill payment must post and settle5
    e-statements_03
    Receive e-Statements
    Rewards
    8 every day debit card transactions3

    calendar
    1 ACH7 item or 1 bill payment must post and settle

    If you don't qualify for level 2 or level 3 rewards in a particular month, don't worry!

    There's no penalty, no monthly service charge, and you still earn our base interest rate.

    Plus, you can get right back to earning the higher interest rates and ATM fee refunds the very next month.


    1APY = Annual Percentage Yield (APY). Reward Checking base rate is 0.01% APY. Minimum account opening deposit of $50.00 required. Interest rate effective as of 3/1/2015. All rates are variable and may change after account opening. Interest earned will be based upon the level of requirements met. Fees may reduce earnings on this account. Some restrictions do apply. Balances will not be aggregated. There is no minimum daily balance required to earn the minimum APY. 2You will be required to bring in the ATM receipts in order to receive refunds from International ATM's. 3MasterCard® is a registered trademark of MasterCard International Incorporated. A credit, ATM withdrawal, or refund to your account does not qualify as a debit card transaction. 4Two free check styles available. 5All fees subject to sales tax in New Mexico. 6To post and settle, the transaction must be deducted from your current balance. 7ACH is a direct deposit, automatic debit, etc. To make an electronic payment, use your City Bank account number and routing number to make and/or receive payments.