¹To qualify for cash back, you must perform the following during the “Statement Cycle”:

• Be enrolled and receive eStatements via Online Banking
• Have $1,000 or more in external deposits post to and settle your account

²A monthly maintenance fee of $20.00 will be imposed every “Statement Cycle” if the average daily balance for the Statement Cycle falls below $7,500.00.  The average daily balance is calculated by adding the principal in the account for each day of the Statement Cycle and dividing that figure by the number of days in the cycle.

³There will be no fee for basic checks when ordered through an Adams Community Bank Representative.

⁴There will be no charge for basic style checks for customers who qualify for Massachusetts ‘18/65’ benefits.

⁵ In addition to any applicable ATM fees charged by Adams Community Bank, when you use an ATM not owned by us, you may also be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

⁶When you use an ATM not owned by Adams Community Bank you may be charged a fee by the ATM operator or any network used.  You may also be charged a fee for a balance inquiry even if you do not complete a fund transfer or withdrawal.

⁷Accounts with one or more account owners age 18 or younger or 65 or older will benefit from the MA “18/65” rule and will receive a reduced Insufficient Funds/Overdraft Charge as disclosed on our fee schedule as Insufficient Funds/Overdraft Charge “18/65” Account. They are also eligible for basic style checks at no charge.

⁸When Cashback Checking Account qualifications are met during a Statement Cycle, you will receive 1.00% cash back on up to a total of $2,000.00 worth of debit card purchase transactions that post and settle to the account during that cycle period for a maximum cash back earned of $20.00 per Statement Cycle. Cash-back rewards will be credited to the account on the last day of the current Statement Cycle. Debit card purchase transactions processed by merchants and received by the bank as ATM transactions do not count towards qualifying debit card transactions for the purpose of earning rewards within the account.  Transfers between accounts do not count as qualifying transactions for the purpose of earning rewards within the account.  Only debit card transactions processed by merchants and received by the Bank as POS Withdrawals count towards qualifying debit card transactions.

⁹This account requires that at least one account owner is under the age of 25. Once the youngest account owner reaches age 25, this account must be changed into another checking product. The owners will receive communication from the Bank notifying them to make this change into any of our other checking products within 30 days. If the Bank does not hear from the owner(s) within 30 days of the youngest account owner turning 25, the account will automatically be changed into the Free Checking product the following business day.

¹⁰Cashback Checking: Only one account per tax owner will qualify.  If a tax owner has more than one Cashback Checking account, the account with the earliest open date/time (the account opened the longest) that also meets all qualification requirements will be the only account with the opportunity to qualify.  All other Cashback Checking accounts with the same tax owner will not qualify for cash back rewards regardless of the qualifications being met.

“Statement Cycle”: The period for which Adams Community Bank provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. The Cashback Checking Statement Cycle ends on the last business day of each month.  “Business Day” means Monday through Friday and excludes Saturdays, Sundays, and federal holidays.