1. You may earn rewards for eligible activity (“Qualifying Transactions”) made at participating retailers in the program (“Retailers”).

  2. A Qualifying Transaction shall mean: 1) a purchase transaction made with your participating account (Debit); 2) a transaction that takes place at eligible, participating Retailer locations (“In-store Purchases”) or through Retailer websites (“Online Purchases”); 3) a transaction that meets Retailer qualifications as disclosed in the Retailer Offer (“Retailer Offer(s)”) on the mobile banking application or online banking web pages.

  3. Rewards for qualifying purchases are typically awarded at the end of the following month from the date of purchase. Awarding of rewards for some Retailer Offers may require additional processing time. Rewards from a qualifying travel or lodging transactions will be awarded after the completion of the travel or stay.

  4. Retailers and Retailer Offers are subject to cancellation, removal, or change at any time, without notice, even if such a change impacts your ability to qualify for reward earnings. Awarding of rewards for Qualifying Transactions is subject to the continuing participation of Retailers, and is subject to change at any time, without notification.

  5. You may access details of Retailer Offers by clicking on any of the Retailer logos displayed via the participating mobile banking application or online banking web pages. Not all programs will be delivered in both mobile banking applications and online banking web pages.

  6. Online purchases may be considered eligible for rewards earnings only when online purchases meet the retailer qualifications as disclosed in the Retailer Offer.

  7. Taxes, fees, tips and shipping/handling charges may not be considered part of a Qualifying Transaction and, therefore, may not earn rewards.

  8. No other offers, coupons or discount codes, other than those offered by the program, may be used in conjunction with a Qualified Transaction.

  9. Once awarded, rewards are automatically added to your account balance and subject to the Program Rules.

  10. Returns are subject to the return policy of the Retailer from which you made our purchase. If you return or cancel an item, rewards may also be reversed from that sale. In the event that a return has occurred and the reward is still active, new qualifying transactions may not be awarded rewards.

  11. Exchanges also may make purchases ineligible for rewards, as when merchandise is exchanged, the merchant may cancel the order and replace it with a new one. In the event that a return has occurred and the reward is still active, new qualifying transactions may not be awarded rewards.

  12. Please contact Customer Service if you do not receive your reward for a Qualifying Transaction within sixty (60) days. Any ability to claim non-receipt of rewards for a Qualifying Transaction is considered waived by you if notification is not received by Award Headquarters within ninety (90) days.