Hi, my name is Rene, the owner of this finance blog. Are you look­ing for the per­fect online check­ing bank account with the best reward pro­gram out there? I don’t know about you but I was paying

$400 a Year in Ser­vice Charges and FEES on Both my Per­sonal & Busi­ness Bank accounts

Most per­sonal bank accounts and inter­est rates are so low, many bud­get savvy con­sumers are look­ing into bank­ing online rather than go to their local bank or credit union. Would you like to get as much as 5% cash back on the bal­ance of your per­sonal check­ing account? I switched over to Perk­street Finan­cial because I was tired of pay­ing hun­dreds of dol­lars a year in ser­vice fees and not get­ting great service.

I love Get­ting 2% Cash Back!

Once you sign up for the Perk­street Finan­cial Debit Card, you will be con­sid­ered an account holder. Whether you are mak­ing a bill pay­ment or shop­ping that per­fect Christ­mas gift for you part­ner, you will receive 2% cash back on all your pur­chases and bill payments.

How Does the cash back reward Work?

For the first three months, when you make pur­chases with you debit card and not use a PIN num­ber for the trans­ac­tion, you will earn 2% cash back. I took advan­tage of the fact that for the first 3 months, I can earn an unlim­ited amount of cash back. I had to buy a Mac­Book Pro, A Vizio 60 inch LCD tv, a new gui­tar plus $2,000 worth of tools for going to plumb­ing school. Let me tell you, it was sweet to get the cash back for all those purchases.

Do I have to have a Bal­ance of $5,000 in the first 3 months to qual­ify for 2% cash back?

NO

You could have any amount even as low as $500 in your account and you will get 2% cash back.

After the first 3 months..

You can con­tinue to earn 2% in cash back. As long as you have a run­ning bal­ance of $5,000 or more?

What hap­pens when your bal­ance drops below $5,000?

Instead of earn­ing 2% you will earn 1% cash back on non-PIN debit card transactions.

What do they mean by non-PIN debit card transactions

For instance, I go to my Food Co-Op every­day to buy my gro­ceries. I like fresh food so when the casher asks me: Do you want to pay for this with your debit or credit?

I say, Credit

For instance, if I have a bal­ance of only $2000 the first month I have opened the Perk­street Finan­cial Debit card check­ing account. And my gro­cery bill comes out to $75. I just say to the clerk, credit. And the $75 will be taken out of my Perk­street finan­cial online check­ing account and I did not enter a 4 Digit PIN Num­ber. This is a non-PIN debit card transaction

Can I earn an unlim­ited amount of cash back as long as my bal­ance is over $5,000?

YES!

The credit union that was charg­ing me $400 a year on ser­vice charges cer­tainly did not have a cash back rewards pro­gram for account holders.

PLEASE