![]() ![]() For example, when you use your debit card at a restaurant and then add a tip, the final amount could result in a negative balance. This could happen if a purchase you make is approved for one amount, but the final charge is more than your available balance. While these accounts are designed to prevent overdrafts, there may be times when your account could have a negative balance. So, if you don’t have sufficient available funds in your account to cover a transaction, it will be declined and, in the case of checks, bill payments and ACH transactions, the item will be returned unpaid. E) Other terms may apply and will be included in the Agreement.ĥ Student Checking and Citizens EverValue Checking® accounts do not come with standard overdraft coverage. D) You are solely responsible for any taxes that may be owed as a result of cash back rewards earned and/or redeemed under this card. B) Cash Back Rewards will not expire as long as your credit card account is in good standing and you make an eligible purchase once every twelve (12) months. Please refer to your Reward Guide for complete program terms and conditions. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Certain transactions do not qualify for cash back rewards. A net purchase is the amount of a purchase less any credits, returns and adjustments. The Reward Guide will explain the program, including the following: A) Earn cash back rewards of 1.8% on all eligible net purchases. You will receive the Reward Guide with your Cardholder Agreement. For additional information, please visit our Citizens Zero Liability page.ģ Wireless carrier, text and/or data charges may apply.Ĥ The Cash Back Plus Rewards Program is governed by the terms and conditions set forth in the Reward Guide. Transaction at issue must be posted to your account before provisional credit may be issued. Cardholder must notify Citizens immediately of any unauthorized use. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting authorized use, investigation and verification of claim and account standing and history. Does not apply to ATM transactions, PIN transactions not processed by Visa®, or certain commercial card transactions. Subject to change before or after account opening.Ģ Citizens Zero Liability policy covers U.S.-issued cards only. 1 Consists of all active Citizens checking account customers as of. ![]()
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