Gold Rewards

All the benefits of the Silver Rewards account plus an additional overdraft fee refund per statement cycle, more ATM fee refunds, higher loyalty points and complimentary checks. Enrolling your debit card in our uChoose Rewards Points program will have you earn points that are convertible to cash rewards each time you use your debit card.

Gold Rewards Checking with Cash Back Option

Discounted Bank Services
ATM Refunds per statement cycle¹	$ 20
Overdraft Fee Refunds²	2 per statement cycle
Check Order Refund³	COMPLIMENTARY
Paper Statements	COMPLIMENTARY
Interest Rate Discount on Loans⁴	0.25%
Interest⁵
Account Earns Interest	Interest earned on all balances
Tiered Interest Rates	Yes
uChoose Rewards^® Points with Cash Back Option
uChoose Rewards Debit Card Purchases	1 point for each $2 spent on PINPOS or SIGPOS debit card purchases⁶
uChoose Rewards Registration	1,000 points
Debit Card Anniversary of Enrollment	500 points
Loyalty Points
Points for Transactions	Up to 600 per statement cycle
Points for Relationship	1,000 to 10,000 points for each additional product
Enrollment Points	Up to 1,000 in first year
Birthday Points	500 points each successive year
Maximum Points per statement cycle	10,000 points
Monthly Service Charge Refund
You can receive a complete refund of the Monthly Service Charge by meeting at least one of these requirements each statement cycle:	$10,000+ average ledger balance
	$50,000+ average relationship balance¹⁰
Monthly Service Charge BEFORE Refund	$ 14.95
Monthly Service Charge AFTER Refund	$ 0.00

How To Earn Points!

Gold Rewards Checking

uChoose Rewards Points¹¹with Cash Back Option
Debit Card Purchases	1 point for each $2 spent on PINPOS or SIGPOS debit card purchases⁶
uChoose Rewards Registration	1,000 points
Debit Card Anniversary of Enrollment	500 points
TRANSACTION Loyalty Points¹² (per transaction / per statement cycle)
Bill Pay Transactions	10 points (transaction) 150 points (cycle)
ACH Credit or Debit Transactions	10 points (transaction) 150 points (cycle)
Automatic Deposit Transfers	10 points (transaction) 150 points (cycle)
Automatic Loan Payments	10 points (transaction) 150 points (cycle)
PRODUCT ENROLLMENT Loyalty Points¹²
Mobile Banking Enrollment (one-time)	500 points
eStatement Enrollment (one-time)	500 points
BIRTHDAY Loyalty Points¹²
Birthday	500 points for up to 3 Owners/Signers on account
NEW PRODUCT RELATIONSHIP Loyalty Points¹²
New Checking Account	2,000 points
New Savings Account or IRA	1,000 points
New CD or IRA	2,000 points
New Ready Reserve Line of Credit⁷	3,500 points
New Consumer Loan^{7, 8}	4,000 points
New Commercial Loan or Farm Loan^{7, 9}	10,000 points
MAXIMUM TOTAL RELATIONSHIP REWARDS Loyalty Points
Transactions Points	Up to 600 per statement cycle
uChoose Rewards Relationship Points	1,000 to 10,000 points
Birthday Points	Up to 1,500 per year
Maximum Monthly Loyalty Points per statement cycle	10,000 points

60,000 Maximum Points can be earned during a Calendar Year

¹Detailed descriptions for refunds on various ATM charges are listed in the Service Fee Schedule. Disclosures are provided when you open or change an account, and in your periodic statement.
² Overdraft (OD) and Non-Sufficient Funds (NSF) fees and refunds are described in the Service Fee Schedule. Disclosures are provided when you open or change an account, and in your periodic statement.
³ Check order refunds are available on check orders placed through ProGrowth Bank’s approved vendor.
⁴ Subject to credit approval. Applies to consumer loans where an automatic loan payment is made from a qualifying ProGrowth Bank account. Does not apply to real estate mortgage loans, ag loans, or commercial loans.
⁵ Refer to specific account information for current interest rates and Annual Percentage Yields (APYs).
⁶ PINPOS refers to Point-of-Sale transactions when you use your 4-digit Personal Identification Number (PIN). SIGPOS refers to Signature transactions when you authorize a transaction with your signature.
⁷ Subject to credit approval. Certain restrictions apply. Loans must be closed and processed to be considered for points. Subject to change.
⁸ Loyalty Points are only available for Consumer Installment Loans. Loans secured by real estate are not eligible for Loyalty Points.
⁹ Real Estate Mortgages securing Commercial Loans and Farm Loans are eligible for Loyalty Points.
¹⁰ Your relationship will be calculated by using the combined average available balances of your checking and savings accounts, the current balance of your certificates of deposit and the principal balance of your loans.
¹¹uChoose Rewards points earned will be received at month-end.
¹²Loyalty Points earned will be received following the month-end processing.

Subject to Change.
Please contact us for current information

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Have a question? Contact us at any of our locations

Nicollet: 703 Third St, PO Box 77, Nicollet, MN 56074
Mankato: 120 N Augusta Court, Suite 111, Mankato, MN 56001
Gaylord: 320 Main Ave, PO Box 266, Gaylord, MN 55334

ABA Routing and Transit Number: 091908768
NMLS Registry ID: 680779

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