Small banks and credit unions with assets valued at less than $10 billion can afford to offer extra rewards and avoid imposing additional fees, as they are exempt from the caps imposed by the Durbin Amendment.
Bank-bank kecil dan serikat kredit dengan aset bernilai kurang dari $10 miliar mampu menawarkan hadiah ekstra dan menghindari tarif tambahan, karena mereka dibebaskan dari batasan yang ditetapkan Amendemen Durbin.