A Guide to Getting More: ScoreCard Rewards

ScoreCard Rewards Points Merchandise

Are you getting the most out of the scorecard rewards you earn with a Merchants Bank Visa ScoreCard Credit Card? If you’re earning points, this guide will help you understand:

  • The basics about your rewards points
  • How to view and redeem points
  • Some of our favorite suggestions for redeeming your points

The Basics

How Points are Earned

You automatically earn points with each purchase. Typically for every dollar you spend, you earn one reward point.

However, if you take advantage of our ScoreMore program, you can earn 2x, 3x, 4x or more points. All you have to do is shop at participating retailers, which change throughout the year. You can always find current retailers by visiting the ScoreMore section on the ScoreCard Rewards website.

Your Current Points Balance

Your points balance is available through your account at scorecardrewards.com, mycardstatement.com, or at the top of your monthly credit card statement.

Keep in mind that unredeemed points expire after five years on March 31. For example, points you accumulated in 2014, will expire on March 31, 2019.

Who to Contact

We’re always here to answer your credit card and ScoreCard rewards questions. If you would like help with:

  • Your credit card account: call (800) 944-6285 or email cc@merchantsbank.com (for your safety, please do not send personal information such as account numbers via email).
  • ScoreCard rewards, including questions about your balance or help redeeming points: (800) 854-0790
  • Travel Services, such as booking a flight or car rental with points: (855) 843-5005

Bonus Tip: If you have more than one Merchants Bank Visa ScoreCard, you can have points earned from multiple cards accumulate to one card, making your rewards build up faster. Just contact the Credit Card department for help setting this up.

How to View and Redeem Your Rewards Points

To view your points and redeem, just visit the ScoreCard Rewards website and login. You can also click the View Rewards button when accessing your credit card account through the mycardstatement.com website. Your points balance will then show up at the top of your screen.

From here, follow the steps in this video to redeem your points:

ScoreCard Rewards Video

Redemption Suggestions

When you want to redeem your points, Scorecard Rewards offers a wide variety of items and experiences to choose from. Some of our favorites include:

  • Gift cards. From department stores to movie theaters, you can turn your points into cash at your favorite retailers.
  • Points can also be redeemed for airline tickets, hotel stays, car rentals and more. Plus, if you need help booking your trip, just contact our Travel Rewards experts at the phone number listed above.
  • Had your hopes on a new iPad? Accumulate enough points and it can be yours. ScoreCard Rewards has a great selection of handheld devices for you to choose from.

Using your ScoreCard rewards points efficiently can help make your money go further. Visit our website to learn more about the Merchants Bank Visa ScoreCard Credit Card and our other credit card options. And if you’re ready to start earning rewards, apply now.

Meet Annette Bleninger, Cash Management Officer, CTP


Get to know Annette Bleninger, one of our Cash Management Specialists. At Merchants, we offer a variety of Cash Management services to help businesses improve efficiency, security and more. Our options include tools for collection, disbursement, security and management.

When did you start your banking career?

Annette: I started almost 20 years ago as a Teller. I moved to new accounts and eventually became a Branch Manager. Then I moved to Cash Management, and I’ve been in this field for about 15 years.

What do you like most about your job?

Annette: I really like the variety and the opportunity to meet with business owners and learn about their business.

Can you help my business assess which Cash Management services make sense for us? How does this process work?

Annette: During our first meeting, I like to talk about what your business is currently doing…what works, doesn’t, and what you want to achieve. Then I come back with my recommendations of products and services that would be a good fit to help achieve your goals. I don’t work to sell all of our products and services to every client. I want to make sure I recommend only the most effective and efficient processes for your unique business.

What does community banking mean to you?

Annette: To me, it means being small enough to know each customer and take care of them, but large enough to have the products and services they need. We can provide what you need, but we aren’t the big bank that just considers you a number.

What are some of the biggest benefits to a business using Cash Management services?

Annette: I always like to discuss the top three benefits: save time, save money, and efficiency. Every business is looking to do these things, and we can help with that. There are so many different products and we can figure out which ones would be most beneficial for your business together.

What are your tips for wrapping up your fiscal year?

Annette: Use year-end as a good time to look at the users of your products, such as online banking or payment functions, and determine what updates need to be made. You can use a checklist:

  • Are your users still employed with you?
  • Do they all need access to that product?
  • Is there anyone new that will need access?
  • Are payment limits correct?

Throughout the year, keep track of which users are added, and note any questions or situations you’d like to address. One of the most important things you can do is hire trustworthy people to run things, and keep up to date with core functions and technology. 

If you could snap your fingers and own your own business, what would you want it to be?

Annette: I’ve always thought it would be very interesting to be a travel agent. It may be a dying industry, but it would be so neat to know about all kinds of places.

What are some of your favorite small businesses and why do you like to shop local?

Annette: There are so many cool businesses. When my husband and I go out to eat, we like to go to local restaurants and quaint shops in the old downtown of Hastings. Another benefit of having strong community roots is having these unique places to visit!

If you are interested in finding out how your business could benefit from cash management services, contact one of our Cash Management Specialists.


Some Cash Management services may have fees that apply.

Card Security at Your Fingertips: Are You – Your Student – Your Business – Using our Fraud Prevention Apps?


Controlling and monitoring your personal or business debit or credit card usage anywhere, anytime has never been easier with our FREE mobile apps My Mobile Money and SecurLOCK Equip.*

With these apps – My Mobile Money for your debit card and SecurLOCK Equip for your credit card – you can protect yourself or your business from fraud by setting custom alerts and controls per card to determine how it can be used. You can even add your child’s Merchants Bank card to monitor their spending and security with alerts as they start the school year.

 3 of Our Favorite Features

Merchants Bank staff uses the apps every day and want to share some of their favorite security features with you. Here are three features you can use to ensure you’re getting the most out of these apps.

Featured Staff

Tina Bechtel Tina Bechtel, Customer Service Representative and Lead Teller in Spring Grove.
Phone: Samsung Galaxy
Michelle Schroeder Michelle Schroeder, Customer Service Manager in Cannon Falls
Phone: Apple iPhone
Mike Swanson Mike Swanson, Commercial Banking Officer in Hastings
Phone: Apple iPhone
Marcus Krings Marcus Krings, Credit Card Manager in Winona
Phone: Apple iPhone

See Every Transaction with Alerts

What if every time your card was used your phone would buzz? You would be able to see how much you were spending on a regular basis. You’d also know immediately if your card was used without your authorization, and then be able to stop any other fraudulent transactions from going through. With our security apps, it’s easy to set up these alerts.

Or maybe that sounds like too many notifications. If you prefer, you can set up alerts for specific types of transactions, including:

  • When you are approaching spending limits you may have set
  • Transactions where your card is not present – such as when you shop online
  • International transactions
  • Purchases at specific kinds of stores, such as gas stations, grocery stores, etc

Our staff loves seeing alerts each time their cards are used and being reassured that the only activity on their cards is their own.

Tina: I’ve been able to detect and stop fraud right through the app. I have notifications turned on for all my debit card transactions and one day I got a notification for a charge that I didn’t recognize. I went into the app and turned my card off and called the Bank right away. Turns out the transaction was fraudulent and because I caught it and turned off my card, I was able to stop other fraudulent transactions that were being attempted.

Michelle: I can’t say enough about the notifications for all transactions. You could set this up to only notify you for transactions over a certain dollar amount, but I love seeing everything that goes through my debit card. For example, I really like seeing the notification for online automatic transactions, like Netflix. Sometimes I forget about automatic payments I have set up through my card, and now I get a little notification when the charge goes through. It’s perfect.

Marcus: I get the transaction alerts from SecurLOCK Equip within seconds of my credit card being used. Since the usage alerts are pretty much in real time, it allows me to react quickly if I see a charge that isn’t familiar. We had a customer contact the Credit Card Department about a fraudulent transaction he saw on his app, and our team was able to take care of it immediately.

Shut it Down – Turn your card off to prevent further transactions

Experience the immediate relief that comes with being able to control the use of your card. With these apps, you can turn your card off to stop any transactions going through. And once you’re ready to use your card again, you can turn it back on and it will be ready to use almost instantly.

Mike: My wife and I have used the on/off for our debit card more than once. If one of us misplaces our card…leaves it in the car, forgets it on the counter or something else, we can just turn it off on the app until we find it. If our cards really were lost, it would prevent anyone else from using them. It’s just nice peace of mind.

Michelle: I’ve had great experience with the on/off function too. I went on a trip to Florida and didn’t want my debit card on. I just went into the My Mobile Money app, slid the on/off setting to off and that it was it. It was that easy.

Marcus: Being able to turn your card off if you know you aren’t going to be using it or if a transaction is unfamiliar is such an asset. It’s all about continuing to minimize your risk of fraud. Limiting the opportunity for fraudsters to act is a crucial part of personal security.

Set Perimeters for Card Use

While transaction alerts and the on/off function give you significant control over your card’s security, the apps have other capabilities that can help minimize the risk of fraud.

Marcus: If you’re looking to shut down access to your card as much as you can to prevent fraud, try using location or types of merchant controls. If you know you never use ATMs, go ahead and turn off ATM functionality for your card. Of course, you’ll have to remember to turn that functionality on if you suddenly need to use an ATM.

Tina: I’ve used the location feature and that’s really handy. You just set up if you only want to allow transactions based on a city, region or state. Transactions attempted from outside that area are then automatically denied. Although, online purchases might be processed elsewhere, so that feature may block an online purchase.

Bonus Tip: Manage Your (Or Someone Else’s) Spending

With customizable controls, alerts for spending limits, and easy-to-find account balances, you can make sure you’re always on track with your budget.

You can also add your child’s bank cards, and receive alerts to see how they’re using them or set spending limits. For many students, going off to college is the first time they will be managing an entire budget. Help them learn about managing their finances and taking their security seriously by equipping them with the right tools.

This feature is also useful when a partner runs into a roadblock on a regular transaction. After all, two heads are better than one:

Mike: If you have more than one person on an account, like my wife and I have a joint checking account, you can have the My Mobile Money app track both of your debit cards on one phone. One time my wife was trying to buy groceries and I got a notification at work that her transaction was denied. I realized that I hadn’t moved our budgeted grocery money over to the right account and was able to use Merchants Mobile Banking to transfer funds so she could finish checking out at the grocery store. That was really handy.

You can download My Mobile Money Access for your debit card here for**:

And you can dounload SecurLOCK Equip for your credit card here for**:

Or you can download the apps anytime from the Google Play or Apple App stores. Or you can visit our website.

If you have questions about downloading the app or would like additional recommendations on its use for you or your business, contact your local Merchants Bank and ask to speak to a Customer Service Representative. Or stop in to see us, we’re happy to help however we can.

*Mobile fraud apps are free, however, text or data charges may be imposed by your mobile provider. Check your plan for details. Your carrier may limit access outside the U.S.

**You will be linking to another website not owned or operated by Merchants Bank, NA. Merchants Bank, NA is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. We encourage you to review their privacy and security policies which may differ from Merchants Bank, NA. 

Questions About Your Loan?


Loan Servicing Team

Merchants Loan Servicing is Here to Help

As soon as you’ve closed your loan with Merchants Bank, you’re able to chat with one of our most knowledgeable and useful resources: the Loan Servicing department.

Consisting for 16 employees, the Loan Servicing department is prepared to assist you with practically any question related to your loan. Really. Keep reading to learn how Loan Servicing can help you and the top questions department experts are asked.

How to Contact Loan Servicing

Before we dive in, here is how you can reach our Loan Servicing department to ask your loan questions.

To help keep your personal information safe, the department verifies each caller’s identity and uses encrypted email services.

Meet the Team & How They Help

The department is made up of 15 full-time employees and one part-time employee. Loan Servicing has many seasoned employees; the average banking experience of the staff is 13 years and average loan servicing experience is nine years. When you call us, you’re truly talking to a loan expert.

By the numbers, Loan Servicing:

  • Receives approximately 5,000 calls per month from customers and staff who have loan questions.
  • Sends out 12,000 loan payment books every year.
  • Sends out more than 9,800 mortgage statements each month.

In addition to more FAQ questions below, the department can also help you:

  • With any questions regarding your loan payments, how payments are applied to your loan, loan payment books or billing statements.
  • Estimate an early loan pay off date if you’d like to pay extra on your loan.
  • Calculate principal payments to meet an early payoff goal.
  • Setup or change an automatic loan payment.
  • Keep track of your escrow information, from bill payments to helping distribute funds to complete repairs on the damaged property covered by insurance.

Frequently Asked Questions

Our Loan Servicing department is asked thousands of questions each month, but here are some of the most popular. Is your question not on the list? If your loan has closed, they are here to help at the email or phone number listed above.

Questions Covering All Loans (Personal, Mortgage and Business)

Q: Can I change my payment due date?
A: Only for certain types of loans:

  • Personal loans (excluding mortgages) – Contact your Lender to request changing your payment due date.
  • Mortgage loans – Due to Secondary Market requirements (of Fannie Mae and Freddie Mac), mortgage payments must be scheduled on the 1st of the month.

Q: Can you help me figure out how to pay off my loan early?
A: Yes, just call or email Loan Servicing. Make sure to include the date (either today’s date or one in the near future) and you’ll receive payoff information verbally or in statement form based on your preference.

If you plan to pay off your loan early and have automatic payments set up, please contact Loan Servicing a few days before your final loan payment. This will provide enough time to cancel your automatic payment and minimize the chances of a duplicate payment.

Q: During tax season, what kind of information can you provide about my loan?
A: Each year Loan Servicing will send you a 1098 statement, which includes much of the tax information you’ll need:

  • Interest paid on your loan for the year
  • Year-end principal balance
  • If applicable, information on the property securing the loan

If you have questions anytime throughout the year – not just at tax time – the department is always able to provide you with your current loan balance.

Q: I think my loan payment was late. When will I be assessed a late fee?
A: Mortgage loans have a 15-day grace period before late fees are assessed. Other personal loans and business loans have a 10-day grace period.

Q: My loan payment is scheduled to pull electronically after the due date each month, so why am I receiving a past due reminder?
A: When a loan payment is unpaid for at least seven days past the payment due date a payment reminder is sent as a courtesy. If you would like to avoid receiving this reminder, Loan Servicing suggests changing your automated payment to no later than five days after the payment due date.

Questions Specific to Mortgage Loans

Q: What happens to the extra money I send to the bank when I round up my mortgage payment?
A: Any additional money on top of your monthly payment is automatically applied to the principal of your loan. By applying extra money to the principal, a borrower can reduce the amount of overall interest paid on their loan.

Q: Can I make partial payments on my mortgage by making a payment twice per month?
A: Unfortunately, no. Because our mortgage loans follow Secondary Market guidelines (Fannie Mae and Freddie Mac), if we receive a partial mortgage payment, we are not allowed to keep that payment and must return it to the borrower.

Q: My monthly mortgage payment is set up for electronic payment. Can I opt out of receiving the monthly billing statement or choose to receive the statement electronically?
A: Merchants Bank is required by law to mail out monthly mortgage statements for loans with electronic payments. At this time, we do not offer mortgage statements online.

Remember, if you have any questions about your loan after it’s closed our Loan Servicing team is here to help.

To learn more about our loan options, click one of the links below:

Related Article: Why, What and How: Merchants Bank Mortgage Underwriting

Congratulate New and Promoted Staff


New Staff

Nicole Alleva-Dickey Nicole Alleva-Dickey, Teller, Rosemount
Jodi Butler Jodi Butler, Lead Computer Operator, Winona – Downtown
Paul Butze Paul Butze, VP/Senior Regional Vendor Finance Manager, Merchants Bank Equipment Finance
Jenna Carducci Jenna Carducci, Credit Administration Representative, Winona – Downtown
DillingerCindy Cindy Dillinger, Electronic Banking Specialist, Winona – Downtown
DodsonKristin Kristin Dodson, Teller, Lakeville
FlynnOlivia Olivia Flynn, Credit Administration Representative, Winona
FossumCathy Cathy Fossum, Teller, Winona – Downtown
Victoria Fox Victoria Fox, Teller, Cannon Falls
Chris Haldorson Chris Haldorson, Document Transaction Coordinator, Merchants Bank Equipment Finance
HallTaylor Taylor Hall, Teller, Winona – Lakeside
HundtTrudy Trudy Hundt, Custodian, Winona
JeffriesAustin Austin Jeffries, Teller, Winona – Downtown
Amanda Kauphusman Amanda Kauphusman, Credit Administration Representative, Winona
KiefferLinda Linda Kieffer, Teller, St. Charles
Kaitlin Knott Kaitlin Knott, Teller, Winona – Downtown
LewandowskiRenee Renee Lewandowski, Teller, Onalaska
Conray Ligon Conray Ligon, Electronic Banking Specialist, Winona – Downtown
Chris Livingston Chris Livingston, Trust Associate, Winona – Downtown
Connor Murray Connor Murray, Teller, Cottage Grove
Linh Nguyen Linh Nguyen, Database Applications Developer, Winona – Downtown
PierretDave Dave Pierret, Commercial Banker/VP, Winona – Downtown
Adrian Quilling Adrian Quilling, Customer Service Representative/Lending Assistant, Rosemount
Keela Renswick Keela Renswick, Mortgage Loan Processor, Winona
Whitney Rud Whitney Rud, Item Processor, Winona
Leeandra Schultz Leeandra Schultz, Custodian, Winona
Megan Schultz Megan Schultz, Teller, Cannon Falls
Hope Thilmany Hope Thilmany, Teller, Winona – Downtown
Sue Thilmany Sue Thilmany, Loan Servicing Representative, Winona – Downtown
ThompsonLisa Lisa Thompson, Teller, St. Charles
WesterbergBrittany Brittany Westerberg, Teller, Hastings
Stephanie Wolowicz Stephanie Wolowicz, Customer Service Representative, La Crescent

Transfers and Promotions

AhlmanJoe Joe Ahlman, Electronic Banking Specialist, Winona – Downtown
Penny Beyers Penny Beyers, Credit Administration Representative, Winona
Nancy Brommerich Nancy Brommerich, Director of Customer Assistance, Winona – Downtown
DeckerCory Cory Decker, Electronic Banking Specialist, Winona – Downtown
FernholzJennifer Jennifer Fernholz, Junior Credit Analyst, Winona
GlodowskiBecky Becky Glodowski, Credit Administration Representative, Winona
Laura Greseth Laura Greseth, Credit Analyst Manager/AVP, Winona
Sarah Kiekhoefer Sarah Kiekhoefer, Credit Administration Systems Officer, Winona
Josie Montgomery Josie Montgomery, Lending Assistant, Winona – Downtown
ThruneChris Chris Thrune, Underwriter, Winona
Molli Vodak Molli Vodak, Lending Assistant, Winona – Downtown
warnkenshelby Shelby Warnken, Teller/Vault Attendant, Winona – Downtown
Larissa Verbeke Larissa Verbeke, Junior Credit Analyst, Winona
Kaitlyn Ziebell Kaitlyn Ziebell, Residential Appraisal Specialist, Winona

From the President’s Desk: Fall 2018

From the President

By Greg Evans, President & CEO

As I’m writing this the day after Labor Day, the youngest of our four grandchildren is starting her first day of pre-school. It was a big day for Avery… about as big as it can get for a 3-year-old girl and hopefully the start of a discipline of life-long learning. A bit surprisingly, she wasn’t nervous or afraid; she was dressed, ready and wanting to go to school almost two hours before it was time for her to start. I doubt it will always be that way.

Aside from making me feel old, this gave me pause and made me think of the tremendous opportunities and challenges that all children heading back to school will encounter as they navigate through life in this day and age. Many of the challenges today are vastly different from when I was in school. Some… like the basic fundamentals associated with fiscal fitness and financial literacy… are quite the same.

As new freshmen reported to Winona State University for orientation two weeks ago, one of our Personal Banking Managers in Winona, Chad Woyczik, was asked to conduct one of the orientation sessions and provide an important tutorial on the important components of sound money management. Helping people of all ages in that regard is what makes the profession of community banking so rewarding.

Being fully committed to assisting all of our clients in realizing their financial hopes and dreams in a disciplined manner is a critical component of our brand promise to be The Bank that Service Built. Like all banking organizations, Merchants offers a wide variety of financial products and services designed to meet the needs of both local businesses and different generations of personal customers.

What we hope is different about our delivery of those products and services is our commitment to trust-based servicing of our client relationships — matching service recommendations with clearly identified needs of our customers. This method of listening to our clients, thinking about the solutions we have that can solve financial objectives and recommending the appropriate solutions when it makes absolute sense is the approach we expect all members of our banking team to follow.

So, what are some of the key ingredients to strong fiscal fitness?

Have Advisors You Can Trust

Whether it be with professional members of the Merchants team or elsewhere, develop a strong sense of confidence that the people advising you on financial matters have your best interests in mind.

Pay Yourself First

A critical foundation of any strong approach to financial management is making a savings strategy a priority. At Merchants, we can assist in numerous ways based on your personal needs with banking and wealth management products and services.

Borrow Wisely

When it comes to financing options that may be appropriate for achieving some hopes and dreams (a new house, starting a business, a dream vacation, as examples), borrowing money in a disciplined manner is critically important.

Working again with a trusted advisor who is willing to challenge you and be transparent about the challenges that come with taking on too much debt is the type of approach that will allow you to make well-informed decisions as it relates to credit.

Protect Your Information

In today’s age of e-commerce and the continued digitization of banking solutions, we have unbelievable convenience in accessing financial services and solutions. With this convenience comes increased risk associated with the protection of your private personal information.

Be diligent in following important security protocols advised by your providers. If something seems strange about a request for private personal information, assume that it probably is. Be cautious and diligent in verification anytime you are asked for information related to your private identity or your financial affairs.

In alignment with our community service commitment, we encourage our bankers to be a resource for building strong fiscal literacy throughout our entire service footprint. If you have a group or school that would benefit from having a Merchants team member provide some instruction on topics associated with personal financial management, simply reach out to your local branch. We welcome any opportunity to serve as a resource for something as important as this.

Meet Tammy Johnson, Cash Management Officer


Get to know Tammy Johnson, our Cash Management Sales Manager and member of our Commercial Banking team. At Merchants, we offer variety of Cash Management services to help businesses improve efficiency, security and more. Our options include tools for collection, distribution, security and management.

When did you start your banking career?
Tammy: I started at Merchants in February of 1999 as a Teller. Ten months later, I started working as a Customer Service Representative. Then, in 2011 I began working full time with our Cash Management Services.

What do you like most about your job?
Tammy: I like the flexibility and the variety. Every business is different and has different needs, therefore every day is different and full of new opportunities. We have a great team of cash management specialists, who continue to learn new things every day in order to best serve our customers.

What is your top cash management tip?
Tammy: Taking advantage of fraud management services, such as Positive Pay and ACH Filters. I cannot stress how important it is to protect what you have. In addition, staying educated on current scams and fraud detection options is key. I also highly recommend businesses monitor their account activity daily. That sounds like a lot of tips, but they all go back to staying on top of your accounts in one way or another so your business doesn’t become a victim of fraud.

What are your tips for wrapping up your fiscal year?
Tammy: As you approach year end, I’d recommend preparing for next year: Have any new situations come up that you need additional support? If you’d like to ad a service or product, will it integrate with your computer system? If you’re looking to update your technology, will your current systems integrate with the new computers? Things like that. As a business owner you know that all aspects of business are connected to each other. It save a lot of headaches later to take the time to analyze the big picture earlier.

What do you hope your customers say about working with you?
Tammy: I hope they would say that they enjoyed working with me and that I’m easy to work with. I hope they feel they have learned a lot from me and benefited from my knowledge and advice, that I’m a part of their team.

Can you help businesses assess which Cash Management services make sense for them? How does this process work?
Tammy: Absolutely! If a business is considering moving to Merchants Bank, we offer to analyze their statements and ask them walk us through their typical daily banking practices. Then, we can offer suggestions and solutions to match their current practices or enhance them.

For our current customers, we keep an open line of communication. Business needs are always evolving and what worked 10 years ago, might not work as well today. We make sure we’re there to help them take the next step, so they have the tools necessary to be successful.

What does community banking mean to you?
Tammy: To me, it’s simple…… it’s about building relationships. It’s customers knowing their banker and bankers knowing their customers and having a banking partner that understands your business.

What are some of the biggest benefits to a business using Cash Management services?
Tammy: Simply put, Cash Management services can create efficiencies for a business. They can help streamline some day-to-day processes. At the end of the day, time is money and most times, money can be saved and security can be enhanced.

Do you have a favorite local business in your area you like to go to? Or what’s your favorite thing about supporting local business?
Tammy: I have a few local businesses I like to go to. Once I’ve worked with a customer and gotten to know them and their business, I want to support them in any way I can to help them be successful. Their success is important for our local economies.

If you are interested in finding out how your business could benefit from Cash Management Services, contact one of our Cash Management Specialists.


Some Cash Management Services may have fees that apply.