Turn grocery runs or coffee breaks into cash back rewards.
Plus, enjoy no ATM withdrawal fees, nationwide and seamless features that make daily banking a breeze.*
Features of Ruby Rewards Checking Cash Back
Minimum Opening Deposit
Minimum Balance to Earn Rewards
and Online Banking
✓ Free checking that pays you back.
✓ Get 5.00% cash back on debit card purchases.*
✓ No category restrictions on purchases
✓ Cash back earned on as much as $200 in purchases monthly
✓ Earn as much as $120 cash back per year, $10 per month*
✓ Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
✓ Link to free Ruby Rewards Savings to build savings automatically
✓ No monthly maintenance fee
✓ No minimum balance to earn rewards
✓ $100 minimum deposit to open
Qualifications to Earn Cash Back
Enrollments must be in place and all of the following transactions and activities must post and settle to your Ruby Rewards checking account during each Monthly Qualification Cycle:
- At least 12 debit card transactions
- At least 1 direct deposit, ACH payment, or ACH credit transaction
- Be enrolled in and agree to receive e-statements
And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you'll earn our base rate on Ruby Rewards Savings. And you can get right back to earning your full rewards the very next cycle that you qualify.
Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Visit www.stonebank.com or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
Reward Information:
When Ruby Rewards Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 5.00% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your Ruby Rewards Cash Back account during the Monthly Qualification in which you qualified. NOTE: ATM fee reimbursements only apply to Ruby Rewards Checking or Ruby Rewards Cash Back transactions via ATM; Ruby Rewards Savings ATM transaction fees are not reimbursed nor refunded. When your Ruby Rewards Cash Back account qualifications are not met, no cash payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Ruby Rewards Cash Back account on the last day of the current statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed.
Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking) and log-ons may be required to mee some of the account's qualifications. Limit of 1 account(s) per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Visit www.stonebank.com or contact one of our bank service representatives for additional information, account information, account details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions.
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