Note: You can redeem 17500 out of 20000 points for $125 in gift cards.
Bonus Terms as copied from Bank Website:
5,000 points for enrolling in Business Online Banking
5,000 points for your first online bill payment or ACH debit
Up to 10,000 points for VisaŽ Check Card signature purchases in your first 30 days. 1,000 points per signature purchase; up to 10 purchases.
Redeem points for travel, merchandise and gift cards