Custom Rewards Checking

Your Rewards, Your Way

A debit rewards program with unlimited transaction capabilities

Whether it’s the latest gadget, a weekend getaway, a sharp, new work outfit or even cash back, you can have your rewards however you like them with our Custom Rewards Checking account.

Collect uChoose points every time you use your personalized VISA debit card and redeem them whenever something catches your eyes. Go ahead, reward yourself; you deserve it. Custom Rewards Checking also includes: 
  • Mobile banking and mobile deposit
  • FREE online banking and FREE bill pay
  • Access to thousands of surcharge-free ATMs with ATM Access and Moneypass®
  • Refund of our fee on non-proprietary ATM transactions2
  • No minimum balance requirements
  • $1,000 Overdraft Privilege available, fees may apply3
  • 4 or more qualifying services4 or $20,000 combined deposit account balances5 to waive the $10 Monthly Maintenance Fee
  • Courtesy Checks at account opening

Open Your Account & Start Earning Points

Open a Custom Rewards Checking Account online or contact us for more information. Start using your account and debit card to earn uChoose Reward points. Redeem points for millions of products, travel experiences and activities, event tickets, merchant gift cards, cash, and much more! 

Banking that’s not just Personal. It’s Personalized.


Redeem points for millions of items and use your points to choose from a wide array of products, travel experiences and activities, event tickets, merchant gift cards, cash, and much more!


Whether it's saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe and easy way to send and request money.

Online Bill Pay

Simply the best way to manage your payments including account to account transfers, reminders, automatic payments and more.

Account Alerts

Staying on track with your finances has never been easier. With alerts, you know the moment something important happens on your accounts.

Credit Cards

A credit card with rewards, too! Our Platinum card is for a regular spender looking to collect reward points on everyday purchases.


Whether you're buying, building or refinancing, the time is now while mortgage rates remain at historical lows. We're here to help make it happen–stress-free.

Retirement Planning1

Whether you are approaching retirement, changing jobs, or considering a modification of your retirement strategy, we have the expertise and resources to help. 1Investment products are Not FDIC Insured, Not Bank Guaranteed and May Lose Value

Banknotes & Resources

2Other financial institutions may still apply a surcharge fee
3This is not a line of credit. An overdraft fee of $35 for each overdraft item paid up to a maximum of $140 per day. An overdraft fee may be charged for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Any overdrawn balance, including fees, will need to be repaid immediately without notice or demand from us.  Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. For more information refer to the Overdraft Privilege Policy section within the Account Fees & Options link.
4Choosing 4 qualifying services means 4 different services noted below. For example: 3 Certificates of Deposit = 1 qualifying service. Qualifying Services are determined based on the primary taxpayer identification number assigned to the Custom Rewards Checking or Prestige Checking and include any services listed under Qualifying Services where the person is considered an account owner. The number of services are calculated as of the last business day of the previous calendar month. Credit for a Business Checking account is limited to the business owner(s). If adding a VISA Credit Card, Business Checking or Investments after opening a Custom Rewards Checking or Prestige Checking, please notify your personal banker to have your checking account reflect the additional services.
  • Personal and Junior Savings
  • VISA Debit Card
  • Direct Deposit6
  • eStatement
  • Business Checking7
  • Certificates of Deposit
  • Consumer Installment loan
  • Home Loan8
  • Home Equity Loan
  • VISA Credit Card
  • Premium Plus Money Market Account
  • Investments with Financial Advisory or Wealth Management
  • Agricultural Loan
5Combined Deposit Account Balances are calculated based on the primary taxpayer identification number assigned to the Custom Rewards Checking or Prestige Checking and includes the balance in this account along with the balances of any accounts listed under Combined Deposit Account Balances where the person is considered an account owner. Account balances are determined using the previous calendar month end average balance and the account must be open on the last business day of the month to be included. Combined Deposit Account Balances include
  • Personal and Junior Savings
  • Premium Plus Money Market Account
  • Certificates of Deposit
  • IRAs
6Direct Deposit must be made to the Custom Rewards Checking or Prestige Checking in order to count as a service for the account.
7Business Checking will count as a Qualifying Service for the owners of a Sole Proprietor, Limited Liability Corporation, or a Partnership.
8Serviced by the State Bank of Cross Plains.