Real Cash Back Checking + Real Cash Back Savings
For customers who prefer to earn cash back on checking and savings.
Real Cash Back Checking^
For customers who prefer to earn 3% cash back on all debit card purchases up to $300 if qualifications are met.
Free Products and Services
Qualifications
- eStatements
- Direct Deposit
- 10 debit transactions posted and cleared per qualification cycle (PIN or signature)
Real Cash Back Checking Qualification Dates
| Month | Qualification Dates |
| December | 11/30/2022-12/29/2022 |
| January | 12/30/2022-1/30/2023 |
| February | 1/31/2023-2/27/2023 |
| March | 2/28/2023-3/30/2023 |
| April | 3/31/2023-4/27/2023 |
| May | 4/28/2023-5/30/2023 |
| June | 5/31/2023-6/29/2023 |
| July | 6/30/2023-7/28/2023 |
| August | 7/29/2023-8/30/2023 |
| September | 8/31/2023-9/28/2023 |
| October | 9/29/2023-10/30/2023 |
| November | 10/31/2023-11/29/2023 |
| December | 11/30/2023/12/28/2023 |
Real Cash Back Checking Fees
| Check processing | $0 |
| Unsigned check | $10 per check |
| Overdraft protection line of credit ^ | $25 annual |
| Overdraft advance | $6 |
| Non-Nicolet Bank ATM transaction | $0 |
| Check prices | Ask your banker for details |
Real Cash Back Savings^
For customers who want to earn 3.50% APY* on balances up to $15,000 if qualifications are met.
Interest Earned
When qualifications are met on your Real Cash Back Checking account during a Monthly Qualification Cycle**:
- Tier 1: An interest rate of 3.450% will be paid on the portion of your daily balances below $15,000.01. The APY* for this tier is 3.50%.
- Tier 2: An interest rate of 0.010% will be paid on the portion of your daily balance that is equal to or greater than $15,000.01 The APY* for this tier will range from 0.47% to 3.50%, depending on the balance in the account.
- When qualifications are not met during a Monthly Qualification Cycle** the interest rate on the entire balance will be 0.010% with an APY* of 0.01%
Free Products and Services
Click here to view the Real Cash Back Checking Disclosure
Click here to view the Real Cash Back Savings Disclosure
Real Cash Back Savings rates updated 07/24/2023. Rates are subject to change without notice.
*Your stated APY(Annual Percentage Yield) is variable and may change at any time at the discretion of Nicolet National Bank. The disclosed APY assumes that interest will remain on deposit. Fees may reduce earnings and APY. Withdrawals of interest earned will reduce earnings and APY. Interest is compounded monthly. Interest is credited to your account monthly. We use the daily balance method to calculate the interest earned on your account. The daily balance method applies a daily periodic rate to the account balance each day.
**Each qualification cycle begins on the last business day of the month and ends on the second to last business day of the following month.
For a complete calendar of qualification cycles view calendar above.
^Subject To Credit Approval
