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MARS REWARDS is a Rewards Checking account that pays you to do life. Whether you are inviting friends to open a MARS REWARDS account or using your debit card for everyday purchases you will be earning.**

  • Earn Bonuses when your friends, your friends’ friends and their friends open a MARS REWARDS account.**
  • Earn Rewards from your and your referred friends debit card purchases.
  • ATM fee refunds*
  • Interest bearing account*
  • No minimum to earn interest
  • No monthly service fee
  • Free online banking and bill pay
  • Free mobile banking with mobile deposit
  • Free debit card
  • Free paperless E-statements
  • Unlimited telephone banking
  • Direct deposit available
  • $25 minimum deposit to open
  • FDIC insured
  • Overdraft and NSF fees may apply


There’s never a fee assessed for coming up short on qualifications. To earn your Rewards, Bonuses and ATM refunds, simply do the following each monthly qualification cycle:  

  • Have at least 25 debit card transaction (excluding ATM) post to and settle account each qualification cycle.
  • Be enrolled and receive e-statements notice.
  • Be enrolled in digital banking.

Qualifications Dates: (Your monthly qualifications must be posted to your account by this day in order to receive your rewards.) Remember, postings from vendors can take several days to reach the bank and post.

Qualification Dates 2021

  • Jan 28
  • Feb 25
  • March 30
  • April 29
  • May 27
  • June 29
  • July 29
  • Aug 30
  • Sept 29
  • Oct 28
  • Nov 29
  • Dec 30

Qualification Dates 2022

  • Jan 28
  • Feb 25
  • March 30
  • April 28
  • May 30
  • June 29
  • July 28
  • Aug 30
  • Sept 29
  • Oct 28
  • Nov 29
  • Dec 29

*APY=Annual Percentage Yield. APY accurate as of 5/4/2021. The interest rate is 0.20% with an annual percentage yield of 0.20%. Rates subject to change. Minimum to open is $25. No minimum balance required to earn interest. Overdraft and NSF Fees may apply and could reduce earnings. When monthly qualifications are met (1) you receive $.010 per debit card purchase after the 24th  debit card purchase that post to and settle account during monthly qualification cycle; (2) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $5.00 per single transaction and credited to account on the second business day of the following month in which the ATM fees were charged. ATM receipt may be required for reimbursement of an individual ATM fee of $5.00 or higher. Qualifying transactions must post to and settle MARS REWARDS account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. “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. Contact us for more information about the monthly qualification cycle. This account will be opened as a single party account. The option to add a beneficiary, joint owner, overdraft protection or order checks will not be offered. Limit one account per SSN. Transfers between accounts do not count as qualifying transactions.

** To get the Bonuses your friend must be a new customer to Incommons Bank and open a MARS REWARDS checking account using your referral link.

Important Memo regarding your account. The bank reserves the right for any reason in the Bank’s sole discretion with or without cause, to close any Account without prior notice to any of the Account holders, by payment of the Account balance to one or more of the Account holders. Upon termination of an Account hereunder, the Bank may return unpaid any items presented for payment against the closed Account, without liability to any party.

For any questions regarding this notice or any of our accounts please contact your local branch or the main branch 254-562-3821 or email [email protected].

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