If you are not getting 4% cash back from your bank, it’s time to switch to Montgomery. Receive 4$ cash back on all debit card purchases. To earn your rewards, have at least 12 point of sale debit card purchases post and settle per month, have at least 1 automatic payment (ACH) or direct deposit post and settle per month, and maintain a valid email address, be enroll in electronic banking and receive your free monthly bank e-statements via the internet. Also you can use any ATM as your ATM, no need to search for a free ATM.(ATM fee refunds up to $6 per monthly cycle). For more information please call 314.207.2370