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Digital Rewards - Electronic Gift Certificates
In-Store Pick Up of reward purchases
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Pay the balance with your debit card!

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When we say thank you, we mean it.
Anyone can say thank you, but not everyone can back it up with action. Your loyalty is important to us. So to thank you, we're rewarding you with UChoose Loyalty Rewards. All you have to do is kick back and let your money work for you. Earning points is easy. Go ahead! Get your wish list ready, and start adding up and redeeming those points. And remember, the more you do - the more you get.

Here's how everything works.
To participate in MutualBank's UChoose Loyalty Rewards you must have a MutualBank checking account* with an active debit card and it must be registered at UChooseRewards.com. Registering is quick and easy. Just follow the steps at UChooseRewards.com, and we'll do the rest.

Frequently Asked Questions

Earn points three different ways:

1. Debit Card Purchases:

Earn 1 point for every $2 when you complete a signature-based transaction.
Earn 1 point for every $5 when you make a pin-based transaction.
Earn additional points with each purchase when you shop at select retailers. See a complete list of participating retailers at UChooseRewards.com.

2. Balances

Earn 1 point for every $1,000** of deposit, loan, investment or wealth management balances.

3. New Accounts

Earn one-time bonus points when you open a new product listed below:

New Product		Bonus Points
Deposit Products
Savings account		1,000
Money Market		2,500
Certificate of Deposit (new money)***		1,000
Health Savings Account		1,000
IRA (new money)***		1,000
Investment Products
MutualFinancial Investment Services		5,000
MutualWealth Management Group		10,000
Loans
Mortgage****		10,000
Mortgage Refinance****		5,000
Home Equity/HELOC****		5,000
Consumer Loan****		5,000
Credit Card****		2,500

Start earning points today!

*Must be a registered UChoose Loyalty Rewards participant. Register your debit card at UChooseRewards.com. UChoose Loyalty Rewards are not available with the Plain Checking Account.
**Rounding occurs at the $500 mark. For example, an account with a monthly average balance of $1,000 will earn one loyalty point; an account with a monthly average balance of $1,200 will earn one loyalty point; an account with a monthly average balance of $1,600 will earn two loyalty points.
***New money is classified as money not currently on deposit with MutualBank, MutualFinancial Investment Services or MutualWealth Management Group.
****Subject to credit approval
*****Loyalty points are awarded within 45 days following month end. For example, loyalty points earned in October will be awarded to the customer's UChoose account in December. Points for accounts with multiple owners and multiple debit card will have points divided equally among registered owners, thus point totals are not duplicated.

Healthy Savings

Have you ever thought about how much your prescription or doctor visits cost your employer? Many people who have a traditional insurance plan know they pay a $20 or $30 co-pay then they go about their day. But have you ever looked at the amount your company pays?

Insurance costs have skyrocketed over the past decade and companies have tried to find a way to still offer benefits to their employees. The solution has been to offer a high deductible insurance plan. These types of programs are often accompanied by something called a Health Savings Account (HSA). Simply put, a HSA is a checking account where money can be deposited and used for medical expenses. (You might have heard of a Flexible Spending Account, FSA, which is similar to a HSA, but different. FSAs require you to use your money set aside before the year ends. HSAs allow you to roll money over year after year. There are other differences as well. Learn more about HSAs through the Treasury’s website.)

So, are HSAs a good idea? Yes! HSAs make us better consumers of our health care. We look closer at a bill or prescription if we know it will come out of our pocket. We take the time to make sure if a generic medicine is just as good as a name brand, or if we truly need to go to the doctor for our sniffles.

The beauty of a health savings account is that the money grows tax free as long as we use it for qualified medical expenses. So not only are we being more proactive with and aware of our healthcare, we are being smart about our money as well!

Together, a health savings account and a smart consumer make for very healthy living!

If you have questions about your HSA or want to learn more, chat with us! Your local MutualBanker is here to help you live a better life!

Tuesday, February 21, 2012

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