Debit cardholders will earn 1,000 bonus points upon enrollment (in the Rewards Program ). Credit cardholders will earn 5,000 bonus points for their first purchase made within 60 days.
Reward program terms:
Description of the program
Cardholders will earn ("points") for purchases of all eligible goods and services using the MB Financial Bank, N.A. ("Bank") debit card / credit card ("card"). Points will be accumulated at the rate of:
One point per three dollars ($3) charged on the cardholder's debit card when signing for the transaction, no points are earned for PIN transactions.
One point per each one ($1) dollar charged on the cardholder's credit card when signing for the transaction, no points are earned for PIN transactions.
At the Bank's option, additional exclusions may be included in the rules governing the My Bank My Rewards® program ("program"). Points accumulated for other banking relationships, products or services are determined at the sole discretion of the Bank.
Accrual of points for a credit card will begin on the date the card and the card agreement are received by the cardholder. Accrual of points for a debit card may begin on the date the card has been enrolled into the program by the cardholder.
When enrolling in the program, all debit cards linked to the same checking account customer record will be eligible to earn points. Points from credit cards are earned and redeemed separately from points earned and redeemed from debit cards.
Point earnings are based on the new net retail purchase transaction volume (i.e., purchases less credits, returns and adjustments) charged to the card during each periodic billing cycle ("billing cycle") by the cardholder(s) ("net purchase(s)"). Net purchases are rounded to the nearest dollar and are subject to verification. If a transaction is subject to a billing dispute, the point value of the transaction will be deducted from the points total during the dispute period. If the transaction is reinstated, points will be reinstated.
Points may not be combined with any other loyalty/frequency reward program.
Points are posted to a separate rewards account for each checking account linked to an enrolled debit card. If multiple enrolled debit cards are linked to the same checking account, points earned from each debit card will be issued together and posted to one rewards account.
The Bank reserves the right to award bonus points to selected cardholders.
Points are not the property of the cardholder, and cannot be bought, sold or transferred in any way (including upon death or as part of a domestic relations matter).
Points are tracked and redeemable on a first-in, first-out basis. Points will expire three (3) years from the date of issuance.
To redeem points, the card must be in good standing at the Bank, (meaning not voluntarily closed, canceled or terminated for any reason); and the card cannot have any other status preventing authorizations. If a cardholder opts out of the program prior to redeeming their points, all unused points are immediately and irrevocably forfeited.
The cardholder agrees to release the Bank, Consumer Benefit Services, Inc., ("Administrator") and its vendors from all liability for any injury, accident, loss, claim, expense or damages sustained by the cardholder, associated with a reward or use of rewards while participating in this program. The foregoing entities shall not be liable for consequential damages, and the sole extent of liability, if at all, shall not exceed the actual value of the product or service selected ("reward").
The cardholder is responsible for determining any tax liability arising from participation in the program. Consult a tax advisor concerning tax consequences.
The Bank and the administrator shall have no liability for disagreements between cardholders regarding points. Discrepancies about point earnings are not treated as card billing disputes. The Bank's decisions regarding point discrepancies shall be final.
Redeemed points are deducted from the cardholder's point balance as of the request date of a reward.
Points can only be redeemed based on the last purchase cycle transmitted to the administrator.
Points are not redeemable for cash and cannot be offset against the cardholder's obligation to the Bank.
Points must be redeemed by the cardholder, and may be used for another person.
The Bank reserves the right to disqualify any cardholder from participation in the program and invalidate all points for abuse, fraud, chargeback disputes or any violation of the program terms and conditions. The Bank may make such a determination in its sole discretion.
The program is void where prohibited by federal, state, or local law.
The Bank and the administrator are not responsible for typographical errors and/or omissions in any program document.
The Bank and the administrator reserve the right to change the terms and conditions of the program. At the Bank's option, redemption of points may be restricted, limited, expired or cancelled at any time without prior notice.
The program is a service provided through the administrator, and the Bank. In the event of abuse, fraud, chargeback disputes or any violation of the program rules (including any attempt to sell, exchange or transfer points or the instrument exchangeable for points), the Bank reserves the right to cancel cardholder's membership in the program.
Eligibility in the program is restricted to individuals who have a statement address within the 50 United States or the District of Columbia.
Travel rewards redemption terms and conditions
The administrator's travel redemption center is able to take care of all travel arrangements. They are a full service agency that can assist with air rewards, hotel, auto, vacation and cruise reservations.
Cardholders may redeem points for a single lowest published airfare as follows:
Each free ticket must be ordered through administrator for one round trip coach class airline ticket on a scheduled U.S. or International carrier.
All free tickets must be for round-trip travel on the same airlines or code share airline.
En-route stopovers are not permitted unless they are to make direct connections.
Reservations for tickets are only allowed through standard commercial passenger carriers, which exclude the usage of charters.
Actual travel may occur any time within three hundred and thirty (330) days after the reservation conditions in this agreement are met.
Reservations shall also be subject to airline seat availability on travel dates specified by the traveler.
Administrator reserves the right to choose a major airline of their choice on which to reserve and ticket cardholders for free tickets.
The travel agency has the right to book a reservation within two (2) hours of a requested travel time for departures and returns.
All travel must be redeemed through administrator's fully licensed redemption reservation center, which can be reached at 866-678-5186. Cardholders must have a valid card at the time of redemption.
All airline tickets issued in exchange for points are non-refundable and non-changeable after ticket issuance, without paying the standard fees charged by each airline. Changes are subject to authorization by the airline and subject to add-collects and fees charged by the airline and redemption center.
Lost, stolen or otherwise destroyed airline tickets will not be replaced, without the cardholder paying the standard fees charged by each airline.
Cardholders may make additional travel reservations with the administrator's travel agency using a Bank card. The travel agency's normal and customary fees are billed to the cardholder's card for any additional services required by the cardholder.
All travel documents will be issued the same day the reservation is made.
Airfares are not guaranteed if not ticketed immediately. All reservations will receive a fax or email the same day the ticket is issued. The cardholder must call in any corrections or discrepancies by 9:00pm CST Monday through Friday and by 5:00pm CST on Saturday and 2:00pm CST on Sunday. The cardholder must also call in during the hours listed above if the email or fax is not received the same day the ticket is ordered. Any changes or corrections done the following day or there after are subject to all airline airfare charges, exchange fees and processing fees and processing charges.
Paper airline tickets are subject to the individual airline paper ticket fees.
If a paper ticket is issued, the cardholder has two options for delivery. They can sign a waiver stating that they accept responsibility for a lost ticket, and then the ticket will be sent via US Mail. The second option is to pay a shipping fee for the ticket to be sent via overnight delivery. Priority, Saturday and outside the 48 contiguous states, deliveries will be subject to additional shipping charges.
The cardholder is responsible for payment of any excess baggage charges, departure taxes or other charges that may have been assessed by governmental entities as a result of travel under the program.
Administrator's normal and customary fees associated with processing travel related services are billed to the cardholder's Bank card.
The Bank and the administrator are not responsible for the performance by the airlines of the ticketed transportation. All reservations are made subject to the conditions of carriage, supply or business of the party providing the service, which include exclusions and limitations of liability. The airline industry is in constant flux and changes brought down by this industry are done quickly and without notice, therefore, reward redemption rules for air travel are subject to change without notice.
Specific restrictions may apply to certain travel rewards.
A valid government ID must be presented at the airport and it must match the traveler's complete name as listed on the airline ticket.
Travel insurance – For added protection, it is highly recommended that all travelers consider purchasing travel insurance at the time of ticketing to cover airline bankruptcy, trip cancellation & interruption, baggage delays and lost baggage, medical expense, emergency medical transportation, and vehicle rental collision insurance.
Non-travel terms and conditions
When necessary, the administrator may substitute a reward with an updated model of equal or greater value without advance notice. Cardholders will be notified of any change when ordering. The administrator may remove certain items and may replace or remove certain sections within any rewards program literature or website. All rewards are subject to availability.
Merchandise rewards will take four to six weeks to arrive from the time of order. Multiple rewards may arrive at different times from different vendors.
No shipments of merchandise can be made to APO/FPO or PO Box addresses.
Merchandise shipped by UPS will be available to all US territories. Items being shipped to Alaska, Hawaii, Puerto Rico, Guam and the US Virgin Islands may have an additional freight charge billed to the cardholder's card.
Merchandise pictured in the program catalog or website may not reflect exact colors or models of actual rewards due to printing variations and/or manufacturers' updates. Information is accurate to the very best of our knowledge. The Bank and the administrator are not responsible for errors or omissions.
Points required for reward items are subject to change.
Cardholders may exchange merchandise only in the event of merchandise defects or damage in shipment. Any exceptions, damages, or shortages must be noted on the delivery receipt before cardholders sign to accept shipment of merchandise.
All merchandise is covered by manufacturer's warranties. Any such defect should be handled through the standard manufacturer repair facility as noted with product.
Gift cards and certificates
Points may be redeemed for gift cards or gift certificates from select merchants. Most gift cards or gift certificates are delivered within 7-10 business days to the address specified on the order file with the administrator as long as it is within the United States and its territories.
Gift cards or gift certificates cannot be returned, and are not redeemable for cash or credit.
All other sales, taxes including shipping and handling, charges of items purchased using a gift card or gift certificate are the responsibility of the cardholder and are subject to the merchants' policies in effect at the time of redemption. Purchases in excess of the amount of the gift cards are at the cardholder's expense.
Gift cards and gift certificates may also be subject to other restrictions imposed by the merchant. Gift cards and gift certificates purchased to provide services are subject to the terms and conditions of the vendor providing the services.
Additional terms and conditions may be specified on the gift card or gift certificate.
A gift card is a type of card that is designed to be purchased by one consumer and given to another consumer as a present or an expression of appreciation. The gift card is typically issued by a merchant, or by a card program sponsor or service provider working with a merchant. A gift certificate is a paper certificate that is designed to be purchased by one consumer and given to another consumer as a present or an expression of appreciation. The gift certificate is typically issued by a merchant.
If a merchant declares bankruptcy, the Bank and the administrator are not liable for the remaining balances on the gift card or gift certificate.
No dormancy or service fees will be charged on the remaining balances of the selected gift card or gift certificate.
Once the gift cards or gift certificates are redeemed and/or used, the cards are not returnable, exchangeable or replaceable.
Each merchant sets a policy in regards to lost or stolen gift cards or gift certificates. The administrator abides by the merchant's policy. If a gift card or gift certificate is lost or stolen, once received by the cardholder, the cardholder must report the occurrence to the administrator immediately. The administrator reserves the right to decline to replace lost or stolen gift cards or gift certificates.
If gift cards or gift certificates have been ordered by the cardholder and not received by the cardholder (addressee), the cardholder must notify the administrator using the provided customer service number. The cardholder must notify the administrator no earlier than fifteen (15) days after the expected receipt date and no later than sixty (60) days from the expected ship date. Upon receipt of such notification, the administrator will investigate. The administrator with its sole discretion may replace any non-received shipment, in which a full balance remains on a gift card or gift certificate.
The administrator is not responsible if a recipient or cardholder defaces, damages or otherwise renders unsuitable for redemption a gift card or gift certificate that was received from this reward site.
Cash back rewards
The cash back reward(s) has two options to the cardholder. The two options are a credit into a Bank checking account or a statement credit to a Bank credit card. The cash back reward will post to the selected option within two billing statements.
The cardholder is responsible for any outstanding balance owed on the card after the credit is applied.
Cash back reward(s) cannot be applied toward the minimum payment amount owed on a cardholder's credit card. The stated minimum payment on the monthly statement is required in full.
Gift card terms
— Barnes & Noble Booksellers is not a sponsor or co-sponsor of this program. Please see back of card for terms and conditions of use. Barnes & Noble Booksellers is not liable for any alleged or actual claims related to this offer.
— Starbucks, the Starbucks logo and the Starbucks Card design are either trademarks or registered trademarks of Starbucks U.S. Brands, LLC. Starbucks is not a participating partner in or sponsor of this offer.
— PANERA BREAD and the Mother Bread Logo are registered trademarks of Panera Bread and are used with permission. Panera Bread is not a sponsor of this program. See back of the Panera Card® gift card for complete terms and conditions of use.
— OurEnergy is not affiliated with MB Financial and is not a sponsor or co-sponsor of this program.