Everyone is looking for ways to make their funds go further these days. Those who prefer using cash can often get stuck with ATM fees, or they have to travel out of their way to avoid them.
Some banks (not ours) will stick you both ways: You pay a fee to use another bank’s ATM, and then your bank charges another fee on top of that—but not us!
You can often pay for things using a debit card that’s linked to your checking account, but many (other) banks charge fees just for keeping your money there.
At PCB Bank, we really don’t like those kinds of fees and we figure our customers don’t either—that’s why we help you avoid them.
What better way to do this than by offering you a debit card that pays YOU for using it to buy things and REIMBURSES those nasty fees that other banks like to charge, just for using an ATM?
After all, all those nickels and dimes (and dollar bills) add up to real money because—it IS real money. It’s YOUR money and we’d like to help you keep more of it in your pockets and bank accounts.
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Here’s How We Can Help You
How about a FREE checking account that has NO fees and pays YOU just for using it?
A Kasasa Cash Back Account lets you earn cash rewards of 4.00% on all your debit card purchases, up to $8 per month deposited into your checking account every month. You can make the most of this benefit by spending at least $200 every month on anything you like.
You can open a Kasasa Cash Back Account with just a $50 deposit. After that, there’s no minimum balance requirement.
The account is free for those who enroll in eStatements, but there’s a $3.00 monthly fee for those who prefer having paper statements mailed to them.
How to Meet Your Monthly Qualifications
When people hear about monthly requirements to qualify for cash back, they sometimes assume it involves difficult or time-consuming tasks. But that’s not the case! The qualifications are simple, everyday actions you’re probably already doing with your basic checking account. Why not get rewarded for those habits?
Here’s how to qualify for cashback:
Set up direct deposit for your paychecks.
Make at least 12 debit card purchases that post and clear each month.
Log in to online banking at least once per month.
If one of these isn’t already part of your routine, it’s easy to get started. For example, you could set a quick reminder on your phone to log into online banking or use your debit card for a weekend errand.
Don’t worry—if you ever miss qualifying for cash back in a given month, you’ll still have the chance to earn it in the months to come.
Take Advantage of Free ATM Refunds
Imagine no longer having to travel out of your way, wasting time and gas, just to use an ATM that won’t stiff you on expensive fees. How about a debit card that REFUNDS all your ATM surcharges and terminal fees within the United States, for up to $4.99 per each transaction.
This gives you the freedom to access your bank account wherever you like (it is YOUR money, after all) without worrying about any ATM fees eating into your deposits and withdrawals.
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Use Your Mobile Banking Tools
We make online banking easy with our free Mobile Banking app. You can check your account balances, make transactions and payments, deposit checks, and more.
You can also use the app to access your Kasasa Cash Back Account at least once per month, to qualify for your cash back rewards and ATM refunds.
The app makes it easy to track your spending habits, make a Mobile Check Deposit, find the nearest PCB Office and ATMs, pay bills, and send money to whomever you like.
Leverage Additional Benefits
Why not open a Savings Account or a Money Market Account and earn interest on your funds? You can easily transfer money between any of your PCB Bank accounts to manage your funds and make the most of what our bank has to offer. Remember, you can transfer funds with an ATM without worrying about getting charged to use it.
Common Mistakes to Avoid
While many of our customers love the cashback rewards we offer, some of them worry about meeting their cashback requirements each month. Old habits can be hard to break, especially if you’re used to always paying with cash.
You have to meet your cashback requirements each month, so remember to use your debit card for purchases at least 12 times each month. Many of our customers start using their debit card instead of cash; because it’s convenient and it helps them qualify for their monthly benefits.
Just think about the many times you use cash and how convenient it would be not having to dig into your pockets or purse just to buy something. Touchless payment systems are all over the place these days, so you can pay for something with a quick tap of your debit card.
You’ll never have to worry about having the right amount of bills, and you won’t wind up with a pocket or purse full of coins by the end of the day. Let those coins stay in your checking account, where they belong.
A morning coffee, grabbing lunch, hitting the grocery store, and buying gas are just a few ways that many of our customers use their Kasasa Cash Back debit cards these days. All those small purchases add up over time, so it’s not too hard to make 12 purchases each month that add up to $200.
You could also put any subscriptions on your debit card as well. Do you have any streaming services that you subscribe to? How about cable TV or Internet services? Why bother cutting a check each month, when you can put them on your debit card and use them to earn rewards?
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Open a Checking Account Today
If you’re ready to stop wasting your hard-earned money on ATM fees and get a little cash back added to your account each month, there’s no time like now to get started. Contact us today to learn more or log in to your online account and start earning! You can also visit one of our locations in Virginia and West Virginia.