Rize Rewards
The more Arize products and services you use, the more points—and member benefits—you can earn. There’s no cost to participate for eligible accounts.
Everyday banking can move you up
Eligible member accounts are automatically enrolled. Your products, balances and banking activity build points toward one of four reward levels.
Use Arize services
Earn points for eligible accounts, loans, balances, digital services and card activity.
Build your score
Your score is based on the activity, products and services connected to each membership number.
See your level
Levels update on the first of each month and appear in online banking and on your statement.
More points unlock higher limits
Bronze
- $750 Courtesy Pay limit
- $5,000 check deposit hold limit
Silver
- $1,000 Courtesy Pay limit
- $7,500 check deposit hold limit
Gold
- $1,500 Courtesy Pay limit
- $10,000 check deposit hold limit
Platinum
- $2,000 Courtesy Pay limit
- No check deposit hold limit
See what contributes to your score
Open each category to review the current published point values.
General services
| Checking account | 50 points |
| Share certificate | 10 points |
| IRA share or certificate | 20 points |
| Membership length after 10 years | 1 point/year |
Loan products
| Home equity loan | 30 points |
| All other loans | 20 points |
Savings balances
| $75,000 or more | 40 points |
| $15,000–$74,999 | 30 points |
| $2,500–$14,999 | 20 points |
| $1,000–$2,499 | 10 points |
| Savings product with a negative balance | −200 points |
Loan balances
| $75,000 or more | 60 points |
| $50,000–$74,999 | 50 points |
| $25,000–$49,999 | 40 points |
| $2,000–$24,999 | 30 points |
Digital and self-service
| Automatic deposit of at least $1,000/month | 50 points |
| Automatic loan payment transfer | 15 points |
| ACH loan payments | 25 points |
| Active online banking | 25 points |
| Enrolled in eStatements | 25 points |
| Enrolled in Bill Pay | 25 points |
| Valid email address | 25 points |
| eNotices subscription | 10 points |
| eAlerts subscription | 10 points |
| Mobile text banking enrollment | 10 points |
| Active mobile web banking | 25 points |
| Wrong address | −200 points |
Debit card activity
| Monthly purchase amount | Points |
|---|---|
| $4,501 or more | 100 |
| $3,001–$4,500 | 75 |
| $1,501–$3,000 | 50 |
| Up to $1,500 | 25 |
| Monthly transaction count | Points |
| 36 or more | 100 |
| 26–35 | 75 |
| 16–25 | 50 |
| Up to 15 | 25 |
Credit card activity
| Monthly purchase amount | Points |
|---|---|
| $4,000 or more | 40 |
| $2,000–$3,999 | 30 |
| $1,000–$1,999 | 20 |
| Up to $999 | 10 |
| Monthly transaction count | Points |
| 30 or more | 40 |
| 20–29 | 30 |
| 10–19 | 20 |
| Up to 9 | 15 |
Make more of your membership
Who is eligible?
Eligible account types include Individual, Organization, PUTMA, Guardianship, KLA Indirect Lending, POD/ITF, Representative Payee and Trust accounts. Eligible accounts are automatically enrolled at no cost.
Who is not eligible?
Corporation, Conservatorship, Estate, Sole Proprietorship and Limited-Service accounts are not eligible under the published program FAQ.
What if I have multiple memberships?
Scoring is based on membership numbers. If you have more than one, each can have a different score based on the products and activity connected to it.
What about business accounts?
Business accounts set up as an Organization may qualify. They can receive share-rate rewards, but not rate rewards for business loans.
Want help reaching the next level?
Talk with an Arize team member about the products and services connected to your membership.