Free gift and buy back of your unused checks and debit cards may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. We reserve the right to substitute a gift of similar value. Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented. Ask us for details. Credit Union rules and regulations apply. Federally insured by NCUA. Equal Opportunity Lender.