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Home / Personal / Personal Accounts / Personal Checking / Silver Rewards

Silver Rewards

All the benefits of our Bronze Rewards account plus one overdraft fee refund per statement cycle, more ATM fee refunds, higher loyalty points and a higher interest rate for a higher balance. 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.

Silver Rewards Checking with Cash Back Option

Discounted Bank Services

ATM Refunds per Statement Cycle¹

Overdraft Fee Refunds²

Check Order Refund³

Paper Statements

Interest Rate Discount on Loans⁴

$10

1 per statement cycle

$5 per order

$5 per statement cycle

0.25%

Interest⁵

Account Earns Interest

Tiered Interest Rates

Interest earned on all balances

Yes

uChoose Rewards® Points with Cash Back Option

uChoose Rewards Debit Card Purchases

uChoose Rewards Registration

Debit Card Anniversary of Enrollment

1 point for each $2 spent on PINPOS or SIGPOS debit card purchases⁶

1,000 points

500 points

Loyalty Points

Points for Transactions

Points for Relationship

Enrollment Points

Birthday Points

Maximum Points per statement cycle

Up to 600 per statement cycle

750 to 7,500 points for each additional product

Up to 1,000 in first year

500 points each successive year

7,500 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:

Monthly Service Charge BEFORE Refund

Monthly Service Charge AFTER Refund

$5,000+ average ledger balance

$25,000+ average relationship balance⁸

$9.95

$0.00

How To Earn Points!

Silver Rewards Checking

uChoose Rewards Points⁹ with Cash Back Option

Debit Card Purchases

uChoose Rewards Registration

Debit Card Anniversary of Enrollment

1 point for each $2 spent on PINPOS or SIGPOS debit card purchases⁶

1,000 points

500 points

TRANSACTION Loyalty Points¹⁰ (per transaction/per statement cycle)

Bill Pay Transactions

ACH Credit or Debit Transactions

Automatic Deposit Transfers

Automatic Loan Payments

10 points (transaction) / 150 points (cycle)

PRODUCT ENROLLMENT Loyalty Points¹⁰

Mobile Banking Enrollment (one-time)

eStatement Enrollment (one-time)

500 points

BIRTHDAY Loyalty Points¹⁰

Birthday

500 points for up to 3 Owners/Signers on account

NEW PRODUCT RELATIONSHIP Loyalty Points¹⁰

New Checking Account

New Savings Account or IRA

New CD or IRA

New Ready Reserve Line of Credit¹¹

New Consumer Loan^11,12

New Commercial Loan or Farm Loan^11,13

1,000 points

750 points

1,000 points

2,500 points

3,000 points

7,500 points

MAXIMUM TOTAL RELATIONSHIP REWARDS Loyalty Points

Transactions Points

uChoose Rewards Relationship Points

Birthday Points

Maximum Monthly Loyalty Points per statement cycle

Up to 600 points per statement cycle

750 to 7,500 points

Up to 1,500 points per year

7,500 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.

²Overdraft (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.

³Check order refunds are available on check orders placed through ProGrowth Bank’s approved vendor.

⁴Subject 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.

⁵Refer to specific account information for current interest rates and Annual Percentage Yields (APYs).

⁶PINPOS 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.

⁷Each PINPOS/SIGPOS transaction needs to be over $5 and must post and clear your account during the statement cycle in order to qualify for a refund of the Monthly Service Charge.

⁸Your relationship will be calculated by using the combined average available balance of your checking and savings accounts, the current balance of your certificates of deposit and the principal balance of your loans.

⁹uChoose Rewards Points earned will be received at month-end.

¹⁰Loyalty points earned will be received at month-end.

¹¹Subject to credit approval. Certain restrictions apply. Loan must be closed and processed to be considered for points. Subject to change.

¹²Loyalty Points are only available for Consumer Installment Loans. Loans secured by real estate are not eligible for Loyalty Points.

¹³Real Estate Mortgages securing Commercial Loans are Farm Loans are eligible for Loyalty Points.

Subject to change. Please contact us for current information.

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