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Emprise Bank Cash Back Checking

in Checking Accounts from Emprise Bank · fdic

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Emprise Bank Cash Back Checking

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in Checking Accounts from Emprise Bank · Member FDIC

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
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Monthly Fee $0
ATM Fee: Out-of-Network $1.50
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0%

Emprise Bank Cash Back Checking Review

Emprise Bank Cash Back Checking is offered by Emprise Bank, a bank founded in 1910 and based in Wichita, KS. Emprise Bank Cash Back Checking is available in 44 states (and Washington, DC).

Key Takeaways
  • Personal finance tool. Free tool that allows you to view your spending insights, set budgets and goals.
  • Qualified Elgibility Accounts not open to those with poor banking history.
  • 2% Cash back. Emprise Bank Cash Back Checking offers rewards on purchases (see terms and conditions for details).
  • 0% APY. As with most checking accounts, Emprise Bank Cash Back Checking does not pay interest.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • Up to $25 in ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
Emprise Bank Cash Back Checking Pros & Cons
Pros Cons
  • Cash back on purchases and ATM fee refunds.
  • Free personal finance tool to view spending insights, set budgets, and goals.
  • Available in 44 states.
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • Access to a nationwide network of ATMs.
  • Accounts not open to those with poor banking history.
  • No signup bonus.
  • Does not earn interest
  • Higher than average wire transfer fees.
  • Charges a fee on out-of-network ATM transactions.
Emprise Bank Cash Back Checking FAQ

Are checking accounts from Emprise Bank federally insured?

Yes, your Emprise Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #4789). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Emprise Bank Cash Back Checking offer?

Emprise Bank Cash Back Checking is not an interest-bearing account.

What are the account minimums for Emprise Bank Cash Back Checking?

Emprise Bank Cash Back Checking requires a minimum initial deposit of $100 to open an account.

Emprise Bank Cash Back Checking Minimums
Description
Minimum Opening Deposit $100

What fees does Emprise Bank Cash Back Checking charge?

The good news is that this account does not have a monthly Service Charge.

Emprise Bank Cash Back Checking Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $25
Bank Teller Fee $0
Debit Card Replacement Fee $5
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 2%
Monthly Fee $0
NSF Fee $32
Online Bill Pay Fee $1.95
Overdraft Item Fee $32
Overdraft Protection Fee (per transfer) $8
Paper Statement Fee $0
Returned Deposit Fee (Domestic) $7
Returned Deposit Fee (International) $7
Stop Payment Fee $32
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $40
ATM Fee: Out-of-Network $1.50

Does Emprise Bank Cash Back Checking charge overdraft fees?

Yes, Emprise Bank Cash Back Checking charges a $32 fee for every overdraft.

Emprise Bank Cash Back Checking offers overdraft protection at a cost of $8 per transaction.

What features and perks does Emprise Bank Cash Back Checking offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $25.
  • Fraud monitoring - Emprise Bank Cash Back Checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Mobile Banking Services - Emprise Bank Cash Back Checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Emprise Bank Cash Back Checking?

The customer support email for Emprise Bank Cash Back Checking is emprise@emprisebank.com .

How do people rate the customer service and user experience of Emprise Bank Cash Back Checking?

Overall, Emprise Bank Cash Back Checking is strongly recommended based on community reviews that rate customer service and user experience.

Emprise Bank Cash Back Checking Disclosure: Minimum to open is $100. When monthly qualifications are met, you receive 2% cash back on debit card purchases that post and settle to the account during monthly qualification cycle up to a total cash back of $6 per monthly qualification cycle. Qualifying transactions must post and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post and settle to the account. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. If you have met your qualifications for the monthly qualification cycle, we will refund domestic ATM fees of $4.99 or less, up to an aggregate amount of $25.00. Transfers between accounts and ATM transactions do not count as qualifying transactions.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Emprise Bank Cash Back Checking

To earn cash rewards and ATM fee refunds is super simple. To qualify each month, just do convenient things that you’re probably already doing: make at least 12 debit card purchases, enroll in eStatements, and have at least one direct deposit, automatic deposit or withdrawal.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 7:30am - 8:00pm
  • Tuesday 7:30am - 8:00pm
  • Wednesday 7:30am - 8:00pm
  • Thursday 7:30am - 8:00pm
  • Friday 7:30am - 8:00pm
  • Saturday 8:30am - 2:00pm

About Emprise Bank Cash Back Checking

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View all checking accounts offered by Emprise Bank

Availability

  Available in 44 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • Colorado
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Mexico
  • Nevada
  • Ohio
  • Oklahoma
  • Oregon
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Opening Deposit $100
ATM Fee: In-Network $0
Bank Teller Fee $0
Monthly Fee $0
Paper Statement Fee $0
ATM Reimbursement Monthly Limit $25
Debit Card Replacement Fee $5
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 2%
NSF Fee $32
Online Bill Pay Fee $1.95
Overdraft Item Fee $32
Overdraft Protection Fee (per transfer) $8
Returned Deposit Fee (Domestic) $7
Returned Deposit Fee (International) $7
Stop Payment Fee $32
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $40
ATM Fee: Out-of-Network $1.50
Account Features
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC
  • Expense Management
Cashback Rewards 2%

Emprise Bank Cash Back Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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