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My Rewards

Learn more about how you can earn rewards.

The difference is rewarding

It’s hard to imagine that being a true community bank can make us different, but as more banks change names and ownership, we know that staying true to our roots is the smartest thing we can do for our customers and the communities we serve.

Refer A Friend *, **

You get $50 for referring a friend.1
You simply, fill in the information on the card, then give it to a friend or family member.  When your friend or family member brings the card to any Macatawa Bank location and opens a personal or business checking account, we will deposit $50 into your checking account.

Your friend gets rewarded too -- up to $100!1 When they open a new personal or business checking account at Macatawa Bank we’ll deposit $25. If they open a Macatawa Bank Debit Card and make at least 10 debit card transactions within 60 days of account opening they qualify for an additional $75.

Rewards Plus Checking

Options to waive $10 monthly fee:
  • Maintain a $1,000 daily balance or $5,000 relationship balance2
Perks for everyone:
  • Earns interest
  •   Free money orders & cashier’s checks
  • Free ID Protect Gold3
View our Current Rates.

UChoose Debit Card Rewards

Use the Card.  Earn Rewards.
Earn 1 reward point for every $2 spent on all signature-based credit transactions4 using your personal Macatawa Bank Rewards Debit Card. Points can be redeemed for thousands of items such as gift cards, merchandise, travel experience, event tickets - even cash! Simply register your card at and we'll do the rest.  Your registration allows you to start earning points, and gains you access to the online redemption center.  

Referrals and referral codes will be ineligible if shared to Checking & Bonus online offers and gaming sites or threads. Referee may still open an account using an ineligible code, however, the bonus will NOT be paid to Referrer or Referee if the code is ineligible, or was obtained from said sites. We will attempt to notify user of the ineligible code of the denial within approximately 120 days) of account opening. We reserve the right to disqualify any referrals and/or account openings where we reasonably believe they were not sent to us or opened in good faith of maintaining a banking relationship with us. Offer may discontinue or change at any time and cannot be combined with other offers. Offer is not available for resale. See Bank for complete details. Bonuses subject to IRS tax reporting and will be added as interest on your year-end statement of earnings. By participating in the Refer a friend program you recognize that whomever you refer or whoever referred you will have knowledge that you have an account with Macatawa Bank. Due to the privacy of the account holder, we cannot disclose any information regarding the qualifications of the referees accounts. Bonus payments will only be paid to accounts that are in good standing with the bank at the time of payout. Account cannot have a balance of zero at time of bonus payout or have had a negative balance at any time since account opening. The account must remain open and active for six months or the bonus will be deducted at time of account closing. Must be a resident of Michigan to participate. Program is effective January 1, 2023 through December 31, 2023. Member FDIC.

*Referrer must have a Macatawa Bank checking account to participate. If they do not have one, one must be opened to receive the bonus. Individuals can earn up to $550 per year for referrals. $50 Referrer bonus payment will be deposited in approximately 90 days of your referral opening a qualified account (Rebound Checking is not eligible).

**Referee offer valid on new eligible personal or business checking accounts (Rebound Checking is not eligible for bonus) during current program effective date stated above. To be eligible, $25 (personal) or $50 (business) account minimum opening balance requirement must be met at time of account opening; account must be opened with funds not currently on deposit with Macatawa Bank and account holder must not have been a signer on a checking account with Macatawa Bank during the past 90 days. $25 Referee bonus payment will be deposited in approximately the first 90 days of account opening. $75 Referee Debit card use referee bonus will be credited after the 3rd statement cycle if at least 10 debit card transactions are made, posted and cleared within 60 days of account opening. Account openings are subject to normal approvals. Must present a valid and eligible coupon/code at time of opening in order to receive bonus. Limit one account opening bonus offer per household/business. For interest bearing accounts, the referee’s APY is based on the minimum required balance for a checking account ($25 for personal and $50 for business) and the sample APY below reflects a variable rate of interest account.

Rewards Plus Checking Account: The interest rate on your account is 0.01% with an annual percentage yield of 0.01%.  Your interest rate and annual percentage yield may change.

Business Access Plus Checking Account: The interest rate on your account is 0.20% with an annual percentage yield of 0.20%.  Your interest rate and annual percentage yield may change.



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