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Workplace Rewards Hub

Looking for a little more information before you sign up?  You've come to the right spot!

  

OVERVIEW

Hard work pays off

You work hard and deserve an employee benefit that works just as hard. Workplace Rewards from Macatawa Bank offers a suite of services that makes managing your money a simple and rewarding experience.

Your benefits

  • Free Interest Rewards Checking Account1
  • Free Health Savings Account (HSA)2
  • $200 bonus payment1
  • 20,000 UChoose Rewards® points3 ($200 value)
  • Up to $6 per month foreign ATM fees refunded
  • $200 Discount on Mortgage loan processing fees4
  • .25% rate discount on new Consumer loans5
  • Free financial education seminars at your workplace
  • Free annual financial review
  • Free ClickSwitch.  A fast easy and safe way to switch direct deposits and automatic payments to a new account.


Ready to take advantage of these benefits?

Contact your employer to get your PROMO CODE before opening accounts.





1In order to qualify for the one-time $200 bonus payment and $10 monthly service charge waiver you must maintain a minimum $500 monthly cumulative recurring automatic direct deposit. You must be enrolled by the 2nd statement cycle. The $10 monthly service charge will be refunded each month. The $200 cash bonus will be credited to the new personal checking account after the 3rd statement cycle. Bonus will be added as interest on your year-end statement of earnings. $25 minimum account opening balance required at account opening to qualify. New money only. Only 1 offer per household per year. Cannot be combined with offers outside of the Workplace Rewards package. Offer not available to existing checking account holders, Macatawa Bank employees or their immediate family members. Accountholder must not have been a signer on a personal checking account with Macatawa Bank during the last 90 days. All accounts are subject to normal approval process. Refer to Schedule of Service Charges & Fees for more information, including early account closing fee.
2Available to U.S. taxpayers enrolled in a high-deductible health plan (HDHP).
3If minimum $500 monthly cumulative recurring automatic direct deposit is enrolled on the Interest Rewards Checking account, and the debit card is registered at www.uchooserewards.com by the 2nd statement cycle, the cardholder will earn rewards points. The 20,000 points will be credited to the UChoose account by the 3rd statement cycle. Rewards points are earned for all signature-based transactions. Earned rewards points, including the 20,000 bonus points, can be redeemed at www.uchooserewards.com for cash, gift cards, merchandise, travel, etc.
4Loans subject to credit approval. The $200 Mortgage Coupon must be presented for discount to be applied to mortgage closing documents.
5Consumer loan rate discount is with an automatic payment from a Macatawa Bank personal checking account. Cannot be combined with other loan rate promotions. Qualifications apply Offers may change or be discontinued without notice, and are non-transferrable, and are not for resale. Offers expire 12/31/19. NMLS 410490

ACTIVATE REWARDS

Activate your rewards in 3 easy steps



Family and Piggy Bank Icon

1. Interest Rewards Checking

Open your Interest Rewards Checking online at but clicking the button below and using the PROMO CODE provided by your employer.



Doctor Inspecting kid with mother and health cross icon

2. Health Savings Account (HSA)

Open your Health Savings Account (HSA) By clicking the button below. (No promo code needed. No bonus payments available.)

IMPORTANT: Funding Your New HSA. Please choose the “DO NOT FUND” option if you are opening your account before the coverage under your High Deductible Health Plan (HDHP) has taken effect. Once your HDHP plan is active you may contribute to the account.



Debit Cards

3. Activate Your Debit Card

You should receive your debit card in the mail within 5-7 days of requesting it. Once you have activated your card you will need to register it with UChooseRewards.com so you can receive your UChoose Rewards® bonus points1.






1If minimum $100 monthly recurring automatic direct deposit is enrolled on the Interest Rewards Checking account, and the debit card is registered at www.uchooserewards.com by the 2nd statement cycle, the cardholder will earn rewards points. The 20,000 points will be credited to the UChoose account by the 3rd statement cycle. Rewards points are earned for all signature-based transactions. Earned rewards points, including the 20,000 bonus points, can be redeemed at www.uchooserewards.com for cash, gift cards, merchandise, travel, etc.
DEBIT CARD

Your Rewards Debit Card

Use the card. Earn rewards. A simple and rewarding experience. Our personal Macatawa Bank Rewards Debit Card comes with our UChoose Rewards® Program. You can earn reward points for all signature-based credit transactions using your personal Macatawa Bank Rewards Debit Card. You will earn 1 point for every $2 spent. Points can be redeemed at uchooserewards.com for thousands of items such as gift cards, merchandise, travel experiences, event tickets - even cash!

You earn the rewards. You choose how to use them.

Simply spend about two minutes to register your card at uchooserewards.com and we'll do the rest. Your registration allows you to start earning points, and gains you access to the online redemption center. The Macatawa Bank Rewards Debit Card features the latest EMV chip technology, as well as Apple Pay.

Register with UChoose Rewards

Macatawa Bank Personal Debit Cards
HEALTH SAVINGS

Health Savings Account (HSA)

Why Choose Macatawa Bank?


A Health Savings Account (HSA) is a medical savings account that offers tax advantages1 and is available to U.S. taxpayers who are enrolled in a high-deductible health plan (HDHP). Funds deposited to an HSA are made as pre-tax contributions. An HSA is different from a Flexible Spending Account because the funds roll over and accumulate year-after-year and are available for future medical expenses.

Convenience
At Macatawa Bank, we offer convenient ways of paying for your qualified medical expenses: HSA Mastercard® Debit Card, checks2 or online at macatawabank.com. Plus, account holders pay no monthly fees and have no minimum balance requirements.

Premium Interest Rates
We offer competitive tiered interest rates on our HSAs, allowing you to earn more as you save more.

Long–Term Management
As your account grows in value, Macatawa Bank offers an optional HSA Investment Sweep3 dedicated to maximize the performance of your account. See HSA Investment Sweep option below.


Enroll now

Click the button below and choose your HSA product type (Health Savings Individual OR Health Savings Family) and select Start Application.

Apply for a Health Savings Account


HSA Debit Card

Want to Transfer Funds from your current Health Savings Account?

Click on the My Applications link on the confirmation page and follow the instructions to show completed applications, agreements, etc. There you will find the Health Savings Transfer Form to complete and mail to your current provider.

IMPORTANT: Funding Your New HSA. Please choose the “DO NOT FUND” option if you are opening your account before the coverage under your High Deductible Health Plan (HDHP) has taken effect. Once your HDHP plan is active you may contribute to the account.






Health Savings Account (HSA) Investment Sweep

The HSA Investment Sweep4 is designed to offer additional investment options for pre-tax contributions5 made to your HSA by offering Vanguard investment fund options.

Investment Fund Options:

Vanguard is one of the world’s largest investment management companies, serving individual investors, institutions, employer-sponsored retirement plans, and financial professionals. Should you choose the HSA Investment Sweep, you will have the opportunity to select from a variety of Vanguard Funds.

How It Works:

  • Open a Macatawa Bank HSA online at www.macatawabank.com/hsa.
  • Enroll in the optional HSA Investment Sweep online at www.macatawabank.com/hsainvest.
  • Investment of your contributions is self-directed from a pre-selected menu of investment fund options.
  • Utilize the five Model Investment Portfolios that we've created to help you diversify your investments and meet your objectives without having to be an investment professional.
  • Your contributions will continue to be deposited directly to your HSA. Your HSA will be linked by the Bank to your selected investment fund(s).
  • When the available balance of your HSA exceeds $2,500, excess funds will automatically be swept in increments of $100 to your selected investment fund(s).
  • If the available balance of your HSA falls below $2,500, any available funds will automatically be swept in increments of $100 from your investment funds(s) back to your HSA.
  • You will receive two account statements, a monthly HSA statement and a quarterly HSA Investment
    Sweep statement.
  • Your HSA Investment Sweep can be viewed online where you have ready access to the following information:
    • Account balances
    • Conform to target
    • Investment elections
    • Investment profiles
    • Investment returns
    • Rate of return
    • Rebalance of portfolio
    • Transfer funds
    • Transaction history
    • Web requests
Enroll now
Apply for a HSA Investment Sweep

Have More Questions?
We are happy to help. Give us a call at (877) 820-2265, email us at HSA@macatawabank.com, or stop by any of our convenient branch locations.




1Consult your tax advisor.

2Checks are available for a nominal fee.

3Not Insured By Any Federal Government Agency | Not A Deposit | Not FDIC Insured | No Bank Guarantee | May Lose Value
4Your HSA is insured by the FDIC; however, funds in your HSA Investment Sweep: are not FDIC insured, are not guaranteed by the Bank, are not a deposit, are not insured by any Federal Government Agency and may lose value.
5Consult your tax advisor.

CHECKING

Interest Rewards Checking Account

Earn interest and special perks when you sign up with Workplace Rewards.

Current Rates 

Options to waive $10 monthly fee:
  • Maintain a $1,000 daily balance or $5,000 relationship balance1
  • Minimum $100 monthly recurring automatic direct deposit is enrolled by the 2nd statement cycle2
Perks for everyone:
  • Earns interest
  • Up to $6 per month in waived Non-Macatawa Bank ATM fees
  • Free money orders & cashier’s checks
  • Free ID Protect Gold3


Account Package Perks and Service Charges are subject to change.  Refer to Schedule of Service Charges & Fees (PDF) for any additional fees that may apply to your account.  

1Qualifying relationship account(s) include any combination of the following personal deposit accounts (excluding this account): checking , money market, savings, and certificate of deposit accounts. Relationship account(s) must be held at Macatawa Bank within the same primary household and are
based upon the additional deposit ledger balances held on the last business day of this account’s statement cycle.
2If minimum $100 monthly recurring automatic direct deposit is enrolled by the 2nd statement cycle, the $10 monthly service charge will be refunded each month and the $100 cash bonus will be credited to the new personal checking account after the 3rd statement cycle. Bonus will be added as interest on your year-end statement of earnings. $25 minimum account opening balance required at account opening to qualify. New money only. Only 1 offer per household per year. Cannot be combined with offers outside of the Workplace Rewards package. Offer not available to existing checking account holders, Macatawa Bank employees or their immediate family members. Accountholder must not have been a signer on a personal checking account with Macatawa Bank during the last 90 days. All accounts are subject to normal approval process. Refer to Schedule of Service Charges & Fees for more information, including early account closing fee.
3Must maintain an active Macatawa Bank checking account in order to receive the bank paid portion of the EZ Shield package that corresponds to the checking account type. Services are subject to change or cancellation at any time. ID Protect Gold and ID Protect Platinum services must be activated before becoming effective. ID Protect Gold and ID Protect Platinum services are available to a maximum of two signers per account.

We're happy to help.

Looking for answers? Need some sound advice? Want to talk over your financial options? Fill out the form below and we'll be in touch.  * = Required field.

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