When your money goes out faster than it sits in your account, rewards should be based on how you spend—not how much you keep on deposit. Signature Cash Back Checking lets you earn 5.00% cash back* on everyday debit card purchases, turning normal spending into real monthly rewards.
Signature Cash Back Checking is designed for clients who use their debit card often and keep lower average balances. Instead of earning interest on money that may not sit in your account for long, this account rewards the purchases you make every day—groceries, gas, coffee, online orders, and more.
For many clients with balances under $2,400, earning cash back on debit card purchases can deliver more value each month than earning interest on a balance—without changing spending habits or tracking categories.
Complete the Relationship with Signature Saver, designed to work hand‑in‑hand with your Signature Checking account.
Because the requirements to earn rewards on checking also qualify Signature Saver, adding savings becomes effortless. There’s no additional activity to manage — just a smart way to grow funds automatically as part of your everyday banking routine.
When paired with Signature Cash Back Checking, Signature Saver turns everyday spending into a pathway to savings. Cash back earned from debit purchases are easily transferred, helping build savings even when balances fluctuate.
Earning 5.00% cash back* is straightforward and built around everyday usage. During each monthly qualification cycle, just:
That’s it. These activities typically happen when an account is used as your primary checking relationship. If a cycle is missed, the account remains free and you’re eligible to earn the full rewards again the very next cycle.
Using your debit card for everyday purchases is one of the easiest ways to keep your account active and earning. Every CIB Debit Mastercard® transaction is protected by fraud monitoring, and you can set up real time alerts to track spending as it happens.
Adding your debit card to a digital wallet provides an extra layer of security by keeping your card number private while allowing you to tap, pay online, or check out in app with confidence.
Unlike interest based accounts that reward higher balances, Signature Cash Back Checking rewards activity. You earn cash back on what you spend—not points, not categories, and not balances that may fluctuate—making it a better fit for customers whose money is constantly in motion.
CIB Digital Tools & Everyday Benefits
Signature Cash Back Checking gives you access to a full suite of services, at no extra cost:
These tools help keep your account secure, organized, and easy to manage- whether you’re at home or on the go.
1Please review your mobile carrier’s text messaging and internet policy. Charges may apply.
2First-time CIB box holder. May upgrade to a larger box and pay the difference. A non-refundable lock transfer fee of $3 is required for all new rentals. There is a $250 drilling fee due to lost keys. A 10% charge is assessed on past due payments. Contents of safe deposit boxes are not FDIC insured.
When your Signature Cash Back Checking account qualifications are not met during a Monthly Qualification Cycle, no cash back payments are made, ATM withdrawal fees are not refunded and Signature Saver will earn an APY of .05%.
Interest will be credited to your Signature High Yield Checking and Signature Saver account(s} on the last day of the current statement cycle. Rates are variable and may change after account is opened and without notice to you. Minimum opening deposit of $25 is required. Early closing fee of $10 if closed within 90 days and other fees may apply. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact a banker for additional information.
Debit card transactions need to post and settle to the account during the cycle period. Please note that posting and settling of transactions may not occur on the same day the transaction is made, and there may be a delay before a transaction posts to your account.