Cash Back Checking

  • E-Statements
  • Direct deposit
  • 10 debit transactions posted and cleared per qualification cycle (PIN or signature)
Cash Back 3% cash back on all debit card purchases up to $300 if qualifications are met
Interest earned None
Free Products and Services 
Online banking and bill pay Yes
E-Statements Yes (Required)
Debit/ATM card Yes
Checks processed per month Unlimited
Check processing $0
Unsigned check $10 per check
Overdraft protection Line of Credit $25 annual
Overdraft advance $6
Non-Nicolet Bank ATM transaction $0
Debit/ATM card replacement $5
Check prices Ask your banker for details



Important Disclosure Information

  • Real Cash Back Checking is available for Consumer Deposits Only.
  • With Real Cash Back Checking, you can earn up to 3% of the value of your debit card purchases each qualification cycle. Maximum cash back is $9.00 per qualification cycle.
  • The following qualifying transactions are required each qualification cycle to earn 3% cash back:
  • Account holder must enroll in e-statements and online banking. In order to receive account statements and other communications electronically you will need to establish an online banking account and enroll in e-statements online. If you do not establish an online banking account and enroll in e-statements you will receive your account statements and other communications on paper and will not qualify for 3% cash back on debit card purchases.
    • At least one posted and cleared direct deposit of payroll or social security each qualification cycle*.
    • At least ten posted and cleared debit card transactions (ATM transactions and other transactions processed as ATM transactions do not count as qualifying debit card transactions) each qualification cycle*.
  • The 3% cash back reward will be deposited to your account each qualification cycle provided you meet all qualifications.
  • The 3% cash back reward program is subject to change at any time, at the discretion of Nicolet National Bank. You will be notified of any changes in the program.
  • No minimum balance.
  • All Nicolet National Bank checking accounts are subject to credit approval.
  • Limit of one Rewards (Real Cash Back or Real Rewards) checking account and one Rewards saver account per consumer.