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The more you bank, the more financial rewards you receive

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How to Avoid Fees

With Rewards Banking, it’s easy to avoid monthly maintenance fees. All you need to do is:

  • Sign up for Direct Deposit AND three other services, such as eStatements, Online Banking, or eBills


  • Maintain a $1,000 minimum daily checking balance, or a $10,000 combined balance of all deposit accounts

We automatically determine your rewards level

  • Every month, we’ll review your banking relationship and automatically determine your rewards level—Bronze, Silver, Gold, or Platinum.
  • If you qualify for a higher rewards level, you’ll automatically move up to that level. If you qualify for a lower level, you’ll have a grace period of 30 days before you move to the lower level—giving you a month to increase your balance or services, and maintain or move up to the next rewards level.
  • You’re always in control of your rewards level. So if you want to take advantage of a specific reward—for example the best interest rate discount on a home equity loan to remodel your kitchen—simply choose one of three options to qualify for Platinum level.
3 ways to qualify for a Rewards Level Bronze Level Silver Level
Gold Level
Platinum Level

Option 11




Set up monthly direct deposits of $500+

AND choose three of the following minimums from the same rewards level:

Online Bill Pays each month - 1 5 10
Have a Rabobank credit card - Yes Yes Yes
Debit card purchases each month - 10 25 50
Receive a monthly eBill - Yes Yes Yes
Consumer loan minimum balance(s) - $50,000 $100,000 $250,000
eStatements instead of paper statements each month - Yes Yes Yes

Minimum number of continuous years you’ve been a Rabobank customer (includes your time as a customer of Rabobank's predecessor banks)

- 5 10 15

Option 2

Maintain an average monthly checking account balance of at least:

No minimum $1,0002 $5,000 $25,000


Option 3

Maintain a combined monthly balance of all deposit accounts of at least:

No minimum $10,000 $50,000 $100,000

1 This option not available for Rewards Banking with interest checking.

2 Rewards Banking with interest checking requires $2,500 average monthly balance.
to qualify at the Silver level.

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