Promotion period: November 1, 2026 through December 31, 2026.

November offer: Earn a $20 cash back reward when 10 separate qualifying digital wallet purchase transactions of $10.00 or more post to your eligible Meridian Trust Debit Card account from November 1 through November 30, 2026.

December offer: Earn a $40 cash back reward when 20 separate qualifying digital wallet purchase transactions of $10.00 or more post to your eligible Meridian Trust Debit Card account from December 1 through December 31, 2026.

An eligible digital wallet purchase is a purchase made with an active Meridian Trust consumer or business Visa Debit Card linked to a Meridian Trust checking account and used through a qualifying digital wallet.

A qualifying transaction is a separate, settled purchase of at least $10.00, after discounts and other adjustments, made with an eligible Meridian Trust Visa debit card through a qualifying digital wallet service such as Apple Pay ®, Google Pay ®, or Samsung Wallet ®. Eligibility is determined by the transaction posting date, not the purchase or authorization date. Pending authorizations do not qualify unless they post during the applicable monthly promotion period. Qualifying purchases made through multiple approved digital wallets using the same eligible debit card will be combined.

Multiple transactions made as part of a single purchase or checkout, or transactions intentionally divided to meet the minimum purchase amount or required transaction count, may be treated as one transaction or excluded. This restriction does not apply when separate transactions result from merchant processing or circumstances outside the cardholder’s reasonable control.

ATM withdrawals, cash advances, person-to-person payments, account funding transactions, returns, refunds, credits, reversals, and transactions finally determined not payable do not qualify. A good-faith transaction dispute does not limit your rights under applicable law. If a disputed transaction is reinstated and otherwise meets these terms, it will be counted.

Limit one reward per eligible debit card for each qualifying month. Transactions made through multiple approved digital wallets using the same eligible Debit Card will be combined. Each eligible Debit Card linked to a checking account may qualify separately. A debit card that qualifies in both November and December may earn both rewards, for a maximum total reward of $60 per eligible Debit Card.

November rewards will be deposited into the eligible checking account by December 31, 2026. December rewards will be deposited by January 31, 2027. The receiving account must be open and not charged off, legally restricted, or subject to confirmed fraud when the reward is paid. Rewards will appear as a cash back credit on the account statement.

Meridian Trust Federal Credit Union may disqualify transactions or accounts involving confirmed fraud, abuse, manipulation, or circumvention of these promotion terms. Meridian Trust may modify, suspend, or terminate the promotion prospectively when reasonably necessary because of fraud, legal or regulatory requirements, system failure, or circumstances beyond its reasonable control. Changes will not affect rewards already earned before the effective date of the change, except as required by law.

Insured by NCUA.