home: monthly debit return and adjustment

[Rodrigo Gonçalves]

(I'm not from USA so please bear with me if the banking system is different.)

I use an account for for my personal-home system. At the end of each month, my bank returns 5% of of the money I spent using my debit card (this is to encourage people to use the debit card, I assume).Let's call this "Debit return".

Also, at the end of each month my account is sometimes credited, sometimes charged some cents in concept of "adjustment interests"or something like that (no idea what this is, but I don't pay attention because it always a few cents). Let's call this "bank adjustment".

Therefore each month my bank account is credited with the "Debit return" and credited or charged with the "bank adjustment". 

The "debit return" is not really an income, it is rather a return from a group of expenses (ie the monthly expenses paid by debit card).
The "bank adjustment" may be an income and it may also be an expense,right? or should I say it could be a positive or negative expense?


How to set these up?

For the "bank adjustment" I was thinking on an account eg "Bank monthly adjustment" which is an expense. It could take negative values (ie money enters my account) or positive values (ie money is charged from my account, therefore a real expense). Does this sound OK?

About the "debit return", I have no clue how to set it up, any ideas?

Thanks!
Rodrigo