Synergy Rewards

With our Synergy Rewards, you will earn higher interest2 and receive domestic ATM fee refunds3 when you meet the Synergy Rewards qualifications1.

Additional features include:

  • $50.00 minimum to open account
  • No minimum balance required to receive:
    • No monthly service charge
    • Free Online Banking and Bill Pay
  • Easy-to-balance monthly statements
  • Check images returned for easy record keeping

Compare Accounts »


Synergy Rewards Account1 APY2 Minimum to Obtain APY Interest Rate
On balances up to $15,000.00 (if you qualify)1 2.25% $0.01 2.23%
On balances over $15,000.00 (if you qualify)1 2.25% to 0.76%2 $15,000.01 0.50%
Base Rate on full balance (if you do not qualify)1 0.05% $0.01 0.05%
Effective June 1, 2024
The rate on Checking Accounts are variable and may change after the account is opened.

Higher Interest Rates!2
Domestic ATM Fee Refunds3
No Minimum Balance!

1To qualify for Synergy Rewards rates and receive reimbursements on your domestic ATM fee surcharges, you must perform the following during the “statement cycle:”

  • Have at least ten (10) debit card purchases of $10 or more** post and settle;
  • 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. Contact us on how to enroll!

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

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.

2Annual Percentage Yield (APY) is effective as of June 1, 2024. The rate may change after the account is opened. Available for personal accounts only. For balances up to $15,000, the APY is 2.25%. The minimum balance to earn this APY is $.01. For the portion of your balance above $15,000, the interest rate is 0.50% with an APY varying from 2.25% for a balance of $15,000.01 to .76% assuming a maximum deposit of $100,000. The minimum balance to earn the APY in this range is $15,000.01. The minimum balance to open the account is $50. If you do not meet the three requirements delineated above during a “statement cycle,” your account will still be free; however, you will earn the base APY of .05% for the statement period and you will not receive domestic ATM fee refunds for the statement period. The minimum balance to earn this APY is $0.01. Fees could reduce earnings on the account.

3Domestic ATM Fee Refunds
Synergy Rewards accounts are eligible for domestic ATM fee reimbursements, which are limited per statement cycle, when you meet all eligibility qualifications. Qualifying purchases must post and settle the account during the statement cycle in order for the reimbursements to be applied. Domestic ATM fees that post and settle during the statement cycle will be reimbursed up to a total of $25 per statement cycle and credited to your Synergy Rewards account on the last day of the “Statement Cycle”.

“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 Rewards 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 Rewards 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 Rewards accounts with the same tax owner will not qualify for higher interest rate or domestic ATM fee refunds regardless of the qualifications being met.

Print Friendly, PDF & Email