You have 45 days before the upcoming quarter, until six days, before the quarter begins. Once the date has reached five days before the quarter starts, any categories already chosen are locked in.

For example, the quarter starts October 1st. Here's what you can expect:

• You can select your cash back categories starting August 17th, which is 45 days before the start of the quarter.
• You can edit these categories until September 24th, which is six days before the start of the quarter.
• Starting September 25th, which is five days before the start of the quarter, chosen categories are locked in. 

Please note, if you have not chosen your categories before the fifth day before the start of the quarter, you can still select them; however, once you accept the categories, they cannot be changed.

Picking categories is easy. Follow these 3 steps to select or modify your Rewards Categories using online banking:

1. You'll need to login to your account. 
2. You can choose your categories by logging into your account and selecting the Rewards Center.
3. Select Choose categories or Modify.