Personal Banking


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The more you use your debit card, the more rewards you earn!

With an Empire National Bank debit card and an Online Banking account, you may earn cash back by shopping at places where you already shop most. Please note: we do not share your personal information with retailers.

Based on how you currently shop, Purchase Rewards randomly sends you offers online. The more you use your debit card, the more offers you get.

While logged into Online Banking, select any offer you like, activate, make your purchase, and get cash back. Earnings will be deposited directly into your checking account. It’s easy!

There are two ways to take advantage of Purchase Rewards

  • Visit, and log in to Online Banking
  • Access the Purchase Rewards section to view cash back offers, new offers, offers already on your card and how much cash back you have earned.


  • Visit, and log in to Online Banking
  • Click “Full History” under “Checking” in the “Deposit Accounts” section. This will take you to your checking account transactions and Purchase Rewards offers.
  • When you find an offer you like, click on it to "Activate.” The Purchase Rewards offer you selected is now ready for you to make your purchase.
  • Shop at the participating retailer and pay with your Empire National Bank debit card (this can be a PIN or signature-based transaction) to earn your cash-back Purchase Rewards. Note:  Each offer provides different details about when and where to shop to earn your cash back.
  • Put cash in your account. When the transaction is completed, we will deposit the cash-back Purchase Rewards you have earned directly into your checking account 30 - 60 days after you redeem the offer.
  • You can view your earnings in the Purchase Rewards section of the Internet Banking Overview screen.


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