Synergy Cashback Rewards

This checking account rewards accountholders with cash back on their debit card purchases and a rebate of the monthly maintenance service charge when minimum qualifications are met during the account’s statement cycle.1

Additional features include:

  • $50.00 minimum to open account
  • No minimum balance required
  • Receive 1.00% cash back up to $1,500 worth of debit card purchases* that post and settle during the statement cycle
  • Easy-to-balance monthly statements
  • Check images returned for easy record keeping

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1To qualify for Synergy Cashback Rewards and receive reimbursements on your $5.00 maintenance service charge, you must perform the following during the “statement cycle:”

  • Have at least one (1) automatic payment (ACH) or one (1) direct deposit post and settle; and
  • Be enrolled and receive eStatements via Online Banking.**

*Debit card 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 accounts.  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.  Please note that transactions MUST post and settle to your account during the “statement cycle”. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more banking days from the day the transaction was made to post to and settle an account.

Adams Community Bank has no control nor influence over any merchant’s payment processing procedures or methodologies. Please consult with the merchant’s management and your State’s Banking Commissioner if you believe your transaction(s) were not processed in accordance with your signature authorization.

**Enrollment in online banking and in electronic statements is required to meet certain qualifiers.  Please contact us for details on how to enroll.

“Statement Cycle” means the period of time for which Adams Community Bank provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. The Synergy Cashback Statement Cycle ends on the 15th of each month except when the 15th falls on a Saturday, Sunday, or federal holiday. If the 15th of the month falls on a Saturday, Sunday, or federal holiday, the statement cycle will end on the last business day prior to the 15th.

Restrictions – Only one account per tax owner will qualify. If a tax owner has more than one Synergy Cashback 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 Synergy Cashback accounts with the same tax owner will not qualify for Cashback Rewards or the maintenance service charge rebate regardless of the qualifications being met.

Accounts changed to Synergy Cashback from another product that has a statement cycle of anything other than the 15th of the month may not qualify until the account completes its first full statement cycle ending on the 15th of a month as defined in the “Statement Cycle” section above. For example, a checking account that currently has a statement cycle ending on the 10th of the month will have to complete the current statement cycle on the 10th, will then have a short statement cycle from the 10th of the month to the 15th of the month, then finally will begin its first full statement cycle ending on the 15th of month. Any maintenance services charges assessed during this transition period will be refunded upon request of the account holder if the request is made within 6 months of the assessment by calling 413-743-0001 or by requesting the refund in person at any one of our branches.

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