|If You Have…||You Will Earn…|
• Monthly direct deposit or ACH transaction*
• 15 or more Inter American Trust Bank debit and/or credit card transactions that post monthly with a total spend of $500 or more
• Earn 2.00% APY** on balances up to $25,000
• Unlimited 1% cash back on credit card purchases
• Unlimited Non-Inter American Trust Bank ATM refunds
It’s easy! Most people already do these things in their every day banking!
Membership eligibility and base savings account that keeps a $5 minimum balance required.
Qualifications and rewards may change at any time. Inter American Trust Bank reserves the right to modify or cease products offered at any time.
* Transfers between Inter American Trust Bank accounts and Bill Pay transactions do not satisfy this requirement.
** APY = Annual Percentage Yield. Refer to the Checking Rates page for additional conditions.
*** This benefit is available if you meet the qualifications described above. Cash back reward is based on your Inter American Trust Bank VISA Credit Card “Net Spend”. Net Spend is any eligible purchases made during the calendar month not during the credit card billing cycle. Excluded transactions include, but are not limited to, insurance payments, fees assessed, cash advances, balance transfers, and interest paid. Posted credits, unauthorized charges, and items returned during the calendar month may decrease the amount of net spend eligible for cash back. Rewards are posted on the first business day of each month for prior month activity. Accounts and loans that become and/or remain in delinquent status may not be eligible for cash back rewards. Inter American Trust Bank Visa Credit Card must be on the same account as your High Rewards Checking to be eligible for the cash back reward.
**** This benefit is available if you meet the qualifications described above. Refers only to Non-Inter American Trust Bank ATM Fee; does not include Surcharge Fee assessed by ATM Operator. See Fee Schedule for additional information about the Non-Inter American Trust Bank ATM Fee.
***** Free check offer applies only to one box of duplicate Gray Smoke Alliance style checks per year for your eligible checking account. CheckProtect shipping fee and taxes apply to all check orders. Your Inter American Trust Bank checking account will be debited within 10 days after shipment.
Membership eligibility and base savings account that keeps a $5 minimum balance required.
* Free check offer applies only to one box of duplicate Gray Smoke Alliance style checks per year for your eligible checking account. CheckProtect shipping fee and taxes apply to all check orders. Your Inter American Trust Bank checking account will be debited within 10 days after shipment.
To reorder checks, please log in to Online Banking and choose "Reorder Checks" from the "Account Services" widget. You can also contact us at .
This card does it all — worldwide! And it’s yours with any Inter American Trust Bank Checking account. Just look at all the benefits of our VISA debit card!
Already have an Inter American Trust Bank Checking account? Call to request a VISA Debit Card over the phone.
Get the highest level of security when it comes to protecting your account from fraudulent charges. VISA’s Fraud Detection Service monitors transactions on your account 7 days a week, 24 hours a day. Click here for information about what to do if a VISA Fraud Representative contacts you.
Sign up for VISA Purchase Alerts to receive near real-time email updates on your VISA card activity. This way you can act quickly to help reduce fraud and monitor your account, wherever you are. And VISA Purchase Alerts is a free service for Inter American Trust Bank VISA cardholders. Learn more and sign up at Visa.com/PurchaseAlerts.
Verified by Visa enrollment is no longer required on Inter American Trust Bank cards, but rest assured that your Visa card transaction is still secure. Your security is important, and therefore we have deployed advanced risk detection technology to monitor transactions which removes the need for passwords, allowing you to shop without interruption. For additional information call the Verified by VISA support center at 1-800-504-5705.
Pay online the easier way with VISA Checkout and your Inter American Trust Bank VISA Debit card.
Choose overdraft protection for your checking account from your Savings, Personal Line of Credit, or a combination of the two.
Courtesy Pay is a service that allows us to pay an ACH or check item presented against your checking account even if it causes the account to become overdrawn. It allows Inter American Trust Bank to provide a higher level of service to you by helping to protect your account and reputation when an inadvertent overdraft occurs.
Courtesy Pay for ATM or Debit transactions is a service we provide with your affirmation. It allows us to pay ATM or Debit card transactions presented against your checking account even if they cause the account to become overdrawn. Click here for additional information.
The Courtesy Pay limit includes any overdraft fees assessed.
If the account has been open and maintained in good standing, defined as A) Making regular deposits sufficient to cover transactions; B) Bringing the account to a positive balance at least once every thirty days or less, and; C) There are no legal orders outstanding on your account, we may, at our sole discretion, pay overdrafts up to the limits mentioned above, including our normal Non-Sufficient Funds or Courtesy Pay charge(s). Whether we pay or return an item, your account will be assessed a fee, either as a Courtesy Pay charge or a Non-Sufficient Funds charge, but you will not be charged both fees. Our current charge per item is $30, which may be changed with prior notice to you.
Courtesy Pay offers additional flexibility and convenience in managing accountholder funds, and provides peace of mind knowing that items may be paid up to the authorized overdraft limit. Using Courtesy Pay may be more costly than other overdraft payment options we may offer. Please speak to a representative to see if you qualify.
This non-contractual courtesy of paying overdrafts requires no accountholder action after you opt in. No additional agreements need to be signed, and it costs nothing unless the privilege is used - by initiating checks, ATM withdrawals, debit card withdrawals, or other payment or withdrawal requests for more than is on deposit in the account. If you maintain the account in good standing and have need for this “courtesy”, we may, at our sole discretion, pay the item(s) up to the authorized limit, and we will charge the account our normal Non-Sufficient Funds or Courtesy Pay charge for each item that overdraws the account. You then have up to 30 days to bring the account current.
Although you are not charged for using Courtesy Pay unless you have an overdraft, you may opt out of Courtesy Pay at any time. If you do not want us to pay your overdrafts, you must tell us (“opt out”). If you receive a direct deposit of your social security or other federal benefit check, you must opt out if you do not want us to apply those funds to repay an overdraft. To opt out of Courtesy Pay, contact us at .
Additional information is found in your account agreement. If you have further questions, do not hesitate to call us at 770-424-0600.
Courtesy Pay is not currently available at CU Service Centers or for HSA Checking Accounts.
Not all members will qualify for Courtesy Pay; in such cases, Inter American Trust Bank’s normal non-sufficient funds policy applies.
No, there is no monthly service charge as long as your account remains active.
The qualification period goes from the first day of the month through the last day of the month (the statement cycle).
You will not receive dividends and you will not be eligible to receive cash back on credit card purchases. In addition, non-Inter American Trust Bank ATM fees will not be refunded.
Higher dividend rates on the balance in the account up to a maximum balance of $25,000, refunds of all non-Inter American Trust Bank ATM fees, and cash back on credit card purchases.
You don’t have to wait until the end of the statement cycle to confirm your qualification status. You can log into Online Banking any time during the month and select “High Rewards Checking” from the menu to check the status of your requirements.
Yes, as long as you meet the requirements you will still qualify for your rewards.
Yes, you can start over next month and work towards meeting the requirements.
No, cash advances do not count toward the requirements.
No, ATM transactions do not count toward the requirements. Only point-of-sale transactions that post to your account during the statement cycle count (PIN entered or signature based).
You will automatically receive the refund for non-Inter American Trust Bank ATM fees on the last day of the current month. Dividends will be paid on the first day of the following month. Any cash back earned on credit cards will also be paid on the first day of the following month.
Yes, transactions from each account owner count toward the monthly requirement.
No, only transactions that post during the qualification period will count towards the requirements for that statement cycle.
No, there is no minimum balance requirement to receive your rewards.
There is no required minimum opening balance; however, we recommend that you deposit enough funds to cover the costs of any printed checks you wish to order.
Whereas banks pay interest, credit unions pay dividends. It’s a similar principle of earning money on your deposit.
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Members will receive a 1099 if the combined dividends earned on all Inter American Trust Bank accounts is $10.00 or more. Cash back earned on credit cards purchases is not included.
The statement cut-off date for High Rewards Checking is the last day of the month, which is the same as all other Inter American Trust Bank checking accounts.
As long as you use your debit card, it doesn't matter if you use it with your PIN, or as if it were processed as a credit card transaction (signature rather than PIN). However, transactions processed as credit card/signature transactions offer the security of VISA’s Zero Liability for fraudulent purchases.
Yes. You can use computers at your local library or an Internet café to sign up. However, be wary of security on public wide-area networks. It is best to ensure that a connection you use is secure. You do need a valid email account to enroll in eStatements and there are Internet service providers that offer free email accounts. You might check with Google and Yahoo to investigate free email accounts.
No, you are not required to access your eStatement online. You are only required to sign up and receive the eStatement notification by email. We strongly encourage you to review your account statement regularly; however, this is your choice.
Statements can be printed through Online Banking or you may contact the credit union for copies (refer to Fee Schedule).
There is no limit on the amount of money you can keep in your High Rewards checking account. However, the higher dividend rate only applies to the first $25,000. Checking balances over $25,000 will earn a lower dividend. Refer to the Credit Union Rate Schedule for current rates and APYs that apply.
Yes, overdraft protection is available for the High Rewards Checking account. Choose overdraft protection for your checking account from savings, personal line of credit, or a combination of the two. We also provide our members with a worry-free way to avoid bouncing checks with our Courtesy Pay service.
Yes, you can use your existing Inter American Trust Bank debit card, printed checks, and account number. The only thing that will change is the name of the checking account.
To convert your current Inter American Trust Bank checking account to a Inter American Trust Bank High Rewards Checking account, visit your local Inter American Trust Bank branch, call option 4, or log into Online Banking and open the High Reward Checking widget then select the “Convert to HRC Now!” button. Please note that High Rewards Checking accounts are not available for business accounts.
Yes. Since your account number will not change, everything will work the same on your new High Rewards Checking account.
No, only one High Rewards Checking account is allowed per primary member.
To use the High Rewards Checking account, the user(s) must be added to the account.
No, only personal accounts are eligible for a High Rewards Checking account.
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