* Minimum direct deposit of $400 per month required. Must open a new Payback Checking account. Bonus may be subject to income tax reporting. 10¢ rebates valid on all signature based debit transactions over $0.99. Select the "Credit" option on all transactions, do not enter PIN. The credit union reserves the right to determine if transactions processed under the 10¢ cash back program are usual and customary. For transactions that are not usual and customary, they are 1) not eligible for the rewards payment and 2) may result in a loss of check card privileges and any accrued rewards cash. Not valid in conjunction with other offers or conversion accounts. Offer good only through 3/31/12. Subject to change at the discretion of the Board of Directors.