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Monthly qualifiers

Each month, when you receive your statement electronically, have at least one direct deposit or online bill pay and 12 debit card purchases post and settle – you are qualified to receive your rewards.

Qualification cycle

Your qualifying cycle starts at the first of the month and ends the last business day of that month.


Rewards are real-time, all the time. Once you’ve reached at least 12 posted and settled debit card purchases and had a direct deposit or bill payment (the e-statement is automatic once you sign up) – then you’re in the reward zone for the month. This means you’ll see your ATM fee refunds (up to $25 total each month) happen by next business processing day.


APY = Annual Percentage Yield. APYs accurate as of 04/17/2017. Rates may change after account is opening. Minimum to open is $50. If Thrive qualifications are met each statement cycle: 1) Domestic ATM fees incurred during the statement cycle will be reimbursed up to $25 and credited to account; 2) balances up to $10,000 receive APY of 2.00%; and 3) balances $10,000 and above earn 0.499% interest rate on the portion of the balance over $10,000, resulting in 2.00%-0.63% APY depending on the balance. If qualifications are not met on Thrive all balances earn 0.10% APY. All qualifying transactions must post and settle to Thrive account during the statement cycle. Transactions and activities may take one or more banking day(s) from the date the transaction or activity occurred to post and settle to the account. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, and debit-card transactions processed by merchants and received by Richwood Bank as ATM transactions. The advertised Thrive APY is based on compounding interest. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.