Rewards Checking

We offer one checking account because this one checking account is all you'll ever need.

Most banks offer a confusing array of multiple checking accounts. We don't see any benefit in confusing people. That's not the Vermont way. Instead, we have loaded up one account with everything you need to manage your finances. It's simple, straightforward and jam packed with tools, access and rewards.

What you get from Rewards℠ Checking:

24/7 Access

• Surcharge-Free ATM usage at over 55,000 Merchants Bank and Allpoint ATMs–including hundreds in Vermont.
• Free Online Banking-so you can do your banking anytime from your computer.
• Automated Phone Banking with 24/7 access to check balances, transfer funds, make loan payments and more.

Money Back

• We pay cash back* on all Debit Card purchases–everything from groceries and gas to movie tickets and hardware stores. If you use your Debit Card, we pay you money. It's that simple.
• Sign up for Online Banking and you can take advantage of our Purchase Rewards program.
• If you use a non-Merchants Bank ATM we will automatically rebate the Merchants Bank foreign ATM fee.

Mobile Convenience

• Enjoy the secure and convenient way to check account balances, make payments, transfer money and more when you access your account through your smartphone with Mobile Banking.
• Check account balances, recent activity and more with Text Banking through any cell phone.

Local Support

• Talk to an experienced, friendly person right here in Vermont.
• Live Online Banking help is also available via email and live chat.
• Customer Call Center representatives are available 6 days a week. Click here for hours.
• Our statewide network of branches and ATMs make it easy for you to connect with your money and us.

Helpful Tools

• The digital convenience of eStatements.
• Free bill payment and presentment-the easy way to see a bill before it's paid.
• Free access to FinanceWorks-a comprehensive financial management tool.
• Free Debit Card usage for POS purchases anywhere MasterCard is accepted.

Account Details

• The account has a monthly average balance requirement of $1,000.00.
• There is a $5.00 monthly service charge if your monthly average balance is below $1,000.00. Primary accountholders 21 years and younger or 62 years and older are exempt from this monthly service charge.
• Statements and check images are free in Online Banking. A $1.00 charge is assessed for each paper statement. You can opt to receive only e-statements once you sign in to Online Banking.

*Annual cash rewards of $600 or more require 1099 reporting.