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Account Reference Guide

  • Debit Card
  • Earn 1 point for every $1 spent when you select "credit" or sign the receipt.
  • Earn 1 point for every $2 spent when you select "debit" or enter the PIN.
  • Earn 2 points for every $1 spent on recurring debit card payments.

  • Personal Credit Card
  • Earn at least 1 point for every dollar you spend.
  • Earn up to 3 points for every dollar you spend.
  • Earn 500 bonus points after the first use of your credit card.
  • Business Credit Card
  • Earn 2 points for every dollar you spend.
  • Earn 3,500 bonus points after the first use of your business credit card.

  • Online Bill Pay
  • Earn 20 points every time you pay a bill via our Online Banking service.

Earn more Everyday Points each Month Based on Your Enrolled Banking Relationships
Charter One Accounts Green Checking Circle Banking Circle Gold Banking
Checking 50 75 100
Checking and savings or money market account 100 150 200
Checking, savings and money market account 150 225 300