1 Earn 1% Cash Back on up to $1,000 in debit card purchases (point of sale purchases can be either a PIN or signature debit card purchase, including online transactions) each month. Up to $120 cash back per year maximum. Cash back earned each month will be credited to your Affinity Cash Back Debit Account by the next month’s statement cycle. ATM transactions, the purchase of money orders or cash equivalents, loan payments and account funding made with your debit card are not eligible for cash back rewards.
This offer is only eligible with an Affinity Cash Back Debit Account. The Affinity Cash Back Debit Account has no minimum opening deposit and no minimum balance requirements. Cash back offer terms and conditions are subject to change without notice. Cash back earned may be reported on an IRS 1099 Form, if applicable.
2 To qualify for no monthly fees and avoid the $2 monthly paper statement fee, upon opening your Cash Back Debit Account, you must enroll in paperless statements (eStatements) either by registering and logging in to your Online Banking or Mobile Banking account. For new members the paper statement fee is waived for the first 45 days of membership, after that, if you have not enrolled in eStatements you may be assessed a $2 paper statement fee per month. Enrollment in eStatements means you will not receive mail delivery of your statements and you have agreed to Electronic Delivery Disclosure. You may withdraw your consent to receive paperless statements anytime by logging in to your Online Banking or Mobile banking account. If you choose to withdraw from eStatements you will be charged a $2 monthly paper statement fee.
Note: The fee is waived for tenant accounts, members age 70 or older; and children age 12 and under.
3 You can make an unlimited number of surcharge–free withdrawals through the CO–OP Network without any surcharge from the owner of the ATM. Affinity will charge a $2.25 fee for each out–of–network ATM withdrawal. If you are a member of the More Program, you receive 8 free out–of–network transactions per month. If you are a member of the Even More Program or under the age of 25, there is no charge for out–of–network ATM withdrawals.
4 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Once your direct deposit goes into effect, Affinity may make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. On occasion, we may not receive your deposit information ahead of time from the ACH originator, and may not be able to post your deposit early. In this case, your deposit will post on the scheduled posting date. We recommend that you do not write checks or authorize any other withdrawals against your direct deposit funds until you verify the funds have been posted to your account. Affinity FCU is not responsible for overdraft fees or penalties resulting from transactions that occur due to anticipated early direct deposit postings.