Business Loyalty Rewards
Personal Rewards Points
Business Loyalty Rewards
Personal Rewards Points

Business Loyalty Rewards

Personal Rewards Points

Your business relationship should be rewarding.

The more your business does with Financial Center, the more it can get back. Business Loyalty Rewards recognizes the ways you save, borrow, spend, and manage your business finances – unlocking more benefits as your relationship grows.

Every month, your qualifying activity earns points that determine your Business Loyalty Rewards level for the following month. The higher your level, the more perks your business can enjoy.

You don’t have to redeem points or keep track of complicated rewards. Your qualifying activity determines your level each month, and eligible benefits are automatically available based on where you land.

0 – 29 Points

Level 1: Founder

A pretty good place to start.

Your everyday business relationship with Financial Center already comes with benefits designed to make managing your money a little easier.

30 – 59 Points

Level 2: Pro

Your business relationship is growing. So are the perks.

You’ll get everything at Founder, plus:

60+ Points

Level 3: Executive

More of your business here means more coming back your way.

You’ll get everything at Founder and Pro, plus:

Find your Business Loyalty Rewards level.

Your points and Business Loyalty Rewards level are updated each month and listed on your monthly statement. You can find your latest statement anytime in Digital Banking.

Take your business to the next level with more points.

Your points add up based on how your business uses Financial Center each month. The money you save, the money you borrow, how often you use your Debit Card, and the business services you use can all move you closer to your next Business Loyalty Rewards level.

Your combined qualifying business deposit balances can earn up to 30 points each month. As your balances grow, so can your points.

DEPOSIT BALANCES

  • $5 – $1,000: 3 points
  • $1,000.01 – $5,000: 5 points
  • $5,000.01 – $20,000: 8 points
  • $20,000.01 – $50,000: 10 points
  • $50,000.01 – $100,000: 20 points
  • $100,000.01 – $250,000: 25 points
  • $250,000.01+: 30 points

Your combined qualifying business loan balances can earn up to 30 points each month – giving the financing your business already uses another way to count.

LOAN BALANCES

  • $0.01 – $10,000: 5 points
  • $10,000.01 – $25,000: 10 points
  • $25,000.01 – $50,000: 15 points
  • $50,000.01 – $100,000: 20 points
  • $100,000.01 – $250,000: 25 points
  • $250,000.01+: 30 points

Everyday business purchases can add up to more perks. Make qualifying Debit Card transactions throughout the month to earn up to 20 points.

DEBIT CARD TRANSACTIONS

  • 1 – 5 transactions: 2 points
  • 6 – 10 transactions: 4 points
  • 11 – 20 transactions: 6 points
  • 21 – 30 transactions: 10 points
  • 31 – 40 transactions: 12 points
  • 41 – 60 transactions: 14 points
  • 61 – 80 transactions: 16 points
  • 81 – 100 transactions: 18 points
  • 101+ transactions: 20 points

The products and services your business uses can add points, too.

Great people deserve great benefits.

From health savings to everyday perks, explore ways to give your employees more value while helping your business stand out.
Work Perks Benefits

Details & Disclosures

Eligibility: A Sole Proprietorship, Corporation, S Corporation, Partnership, Limited Partnership, Limited Liability Partnership (LLP), Limited Liability Company (LLC), or Nonprofit Organization (NPO) with a valid Employer Identification Number (EIN) unique to the business may qualify for Business Loyalty Rewards. Businesses with a Doing Business As (DBA) legal structure may qualify for the personal Loyalty Rewards program.

Membership must be established with Financial Center and remain in good standing. Good standing includes, but is not limited to, having no loan payment 30 days or more past due, no open or unpaid charged-off account, and no account with a negative balance for more than 35 days. Requirements are subject to change at Financial Center’s sole discretion.

Points: Points are calculated each month based on prior-month account activity as of the last day of the prior month. Points are aggregated across eligible accounts associated with the business’s EIN. ATM Debit Card transactions do not earn points.

Additional Point Opportunities

  • Business Credit Card: Points are earned for having a Business Credit Card. Additional transactions do not earn additional points.
  • Merchant Deposit Capture: Points are earned for having Merchant Deposit Capture. Additional transactions do not earn additional points.
  • Business Wire Services: Points are earned for having qualifying Business Wire Services and exclude Wire Services managed by Financial Center. Additional transactions do not earn additional points.
  • Business ACH Services: Points are earned for having qualifying Business ACH Services and exclude ACH Services managed by Financial Center. Additional transactions do not earn additional points.
  • Bill Pay: One point is earned for utilizing Bill Pay. Additional transactions do not earn additional points.

  1. Qualifying Loan Rate Discounts: Business Credit Cards, consumer loans, and consumer lines of credit are not eligible for Business Loyalty Rewards loan rate discounts. All other loans are considered qualifying loans.

    All loans are subject to credit approval and underwriting guidelines. Approved borrowers may receive a 0.25% or 0.50% Annual Percentage Rate discount, according to their Business Loyalty Rewards level, on qualifying rates for qualifying loans. The qualifying rate is the rate received at the time of application approval. Rates may vary based on applicant creditworthiness, age of collateral, loan-to-value ratio, and term.

  2. Money Market Rate Increases: Eligible business members may receive a 0.25% or 0.50% dividend rate increase, according to their Business Loyalty Rewards level, on qualifying rates for qualifying Money Market Accounts. Qualifying rates may change after the account is opened.

  3. Treasury Management Services: Merchant Deposit Capture, Business Wire Services, and Business ACH Services are subject to credit approval and underwriting guidelines. Approved business members may receive a 10% or 25% discount on applicable fees outlined in the Business Digital Banking Fee Schedule based on their Business Loyalty Rewards level. Discounts exclude replacement fees and fees for services managed by Financial Center. 

  4. Additional Point Opportunities

    • Business Credit Card: Points are earned for having a Business Credit Card. Additional transactions do not earn additional points.
    • Merchant Deposit Capture: Points are earned for having Merchant Deposit Capture. Additional transactions do not earn additional points.
    • Business Wire Services: Points are earned for having qualifying Business Wire Services and exclude Wire Services managed by Financial Center. Additional transactions do not earn additional points.
    • Business ACH Services: Points are earned for having qualifying Business ACH Services and exclude ACH Services managed by Financial Center. Additional transactions do not earn additional points.
    • Bill Pay: One point is earned for utilizing Bill Pay. Additional transactions do not earn additional points.