As a small community institution, Commercial National Bank of Texarkana likes the idea of encouraging people to shop locally. That's partly why it offers Buzz Points, a third-party debit rewards program with a social media twist.

"The Buzz Points program is all about bringing the community and the bank together," says Belinda Mobley, business development manager for the $198 million-asset Commercial National. The Texas-based bank launched the program in the summer of 2011.

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