It's a whole new way of thinking about your money.

Some customers are earning more than $1,000 per year with the PerkStreet Platinum Debit MasterCard®. See how they do it.

Cash Back PerksCash Back Perks

  • The PerkStreet FinancialSM Platinum Debit MasterCard is your personal key to saving
  • Earn unlimited 1% cash back almost anywhere you use your card*
  • Earn 2% cash back at several popular retailers including Walmart and Amazon.com®*
  • Get 5% PowerPerks at rotating monthly categories and merchants*
  • Redeem at more than 35,000 leading retail and restaurant locations for free, or use 2 perks to redeem directly to your account.
  • Get an extra bonus for paying with a PerkStreet friend

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The Checking AccountThe Checking Account

  • Get everything you need from a checking account
  • Easy-to-use online banking with free bill pay
  • Free paper checks, free electronic money transfers
  • 42,000+ free ATMs
  • 24/7 round-the-clock customer service
  • Free postage-paid deposit envelopes
  • Deposits insured by the FDIC (up to $250,000)
Online banking, checkbook, and PerkStreet platinum debit MasterCard

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Your BenefitsYour Benefits

  • The only 1% unlimited cash back Platinum Debit MasterCard®*, plus bonuses up to 5%.
  • Stay out of debt - it’s a debit card, not a credit card, so you don’t have to worry
  • Join a family of families sharing money-saving tips and tricks for staying debt-free
  • Start earning without leaving your bank - money transfers are free
  • No credit check. No annual fee. It’s free to get and free to use.

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Depositing MoneyDepositing Money

  • Make free online transfers between PerkStreet and your bank
  • Sign up for direct deposit through your employer
  • Use our free postage-paid envelopes to mail checks
  • Overnight checks for free at any UPS Store® location

Free ATMsFree ATMs

  • Use any one of our 42,000+ free ATMs in the Starsf® network
  • Nobody has more surcharge-free ATMs
  • Our ATMs are in places you already go, like Target® and Walgreens®
America's largest free ATM network map

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Online BankingOnline Banking

  • We built PerkStreet to make sure you’d never need branches
  • Pay your bills in minutes with free online bill pay
  • Automate free transfers between PerkStreet and other banks
  • See transactions and track your balance in near-real time
  • Set mobile alerts for low balances and other events
  • Check your perks and redeem in seconds

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Customer ServiceCustomer Service

  • Our US-based call center is available 24 hours a day, 7 days a week
  • Quickly reach a real person who treats you like one too
  • Get help via email if you prefer
  • Post questions on Facebook or Twitter — you won’t believe how quickly we respond

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SecuritySecurity

  • Your money is FDIC insured (up to the standard $250,000)
  • Our banking services are provided by The Bancorp Bank (NASDAQ:TBBK), a publicly-traded bank with billions in assets
  • Your PerkStreet Financial Debit MasterCard® is protected by the MasterCard Zero Liability Policy, which ensures you won’t be held liable for any unauthorized transaction
  • Our online banking application uses 128-bit encryption — the banking industry standard
Online banking security

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Open a PerkStreet account and get everything you need
  • Free PerkStreetSM Debit Mastercard®
  • Earn up to 2% cash back on every purchase - almost anywhere you use your card - with 5% PowerPerks categories*
  • 42,000+ free ATMs
  • FDIC insurance on deposits
  • Complete online banking
  • Free online bill pay
  • Free, automated online money transfers from other bank accounts
  • Mail checks to anyone for free, postage paid
  • No overdraft fees if you choose
  • No monthly fees for active account holders
  • Postage paid deposit envelopes
  • Free paper checks
  • Mobile alerts for transactions and balances
  • 24/7 fast phone and e-mail service
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Nobody likes fees. It's easy to avoid them.

Stay away from fees at PerkStreet with these simple steps:

  • Eliminate overdraft fees: choose no overdraft protection when you sign up
  • Use your account free: we only charge a monthly fee for inactivity
  • Never pay for ATMs: we have the largest nationwide free ATM network

Our fees:

Overdraft fee

When you spend more money than you have in your account we may choose to approve the transaction as a convenience to you and will charge you a fee for this service. This is optional protection which you can elect to have or decline if you would prefer to have your transaction declined to avoid the fee.

 $32 per item

Returned item fee

Also known as a bounced check or failed transaction fee. It applies in situations like when you write a check or make an online bill payment or pre-authorize a payment for more money than you have in your account. If your account isn't covered by overdraft protection, your check will bounce or the transaction will fail. If this occurs we charge you a returned item fee. This fee will also apply if you signed up for overdraft protection, exceed the overdraft protection limits and a transaction is declined.

 $32 per item

Inactivity fee

While there is never a monthly fee for using your account, if you don't use your account in a given month you will be assessed a fee. Doing any of the following at least once each month ensures you won't be assessed a monthly inactivity fee: making a transaction with your debit card, writing a check that clears the account, using Online Bill Pay, initiating a withdrawal, or making a deposit to the account.

 $4.50
See a full list of fees >
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Calculate your earnings
+ up to $225 in additional bonuses (see below)
Earn this much every year
Earning Perks
1% always Every time you make a non-PIN purchase
2% online At:
  • Amazon.com®
  • Walmart.com
  • Apple.com
  • BestBuy.com
  • iTunes®
  • Target.com
2% in-store When your balance is $5,000, at:
  • Walmart
  • Best Buy®
  • Target®
  • Apple® Retail Store
5% where you choose PowerPerks categories are voted on each month by our customers
Some redemption options require you to use additional perks beyond the redemption value, effectively reducing your cash back rate.
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PerkStreet gives more back than any other bank
PerkStreet Financial Checking USAA Free Checking ING Electric Orange Ally Interest Checking Bank of America Enhanced
Unlimited Debit Card Rewards 1% no no no no
Yearly rewards earnings
(No bonuses; $2,500 monthly spend)		 $300 $0 $0 $0 $0
Limited bonus reward offers yes no no yes yes
Maintenance fees with one transaction per month $0 $0 $0 $0 $15
Nationwide free ATMs 42,000+ All fees refunded 35,000+ All fees refunded approx. 20,000
Interest rate ($5,000 balance) None None 0.25% 0.5% None

Some redemption options require you to use additional perks beyond the redemption value, effectively reducing your cash back rate.

Checking account interest rates published as of January 25th, 2012, at these locations:
Ally: http://www.ally.com/bank/interest-checking-account/#tabs=rates, ING Direct: https://home.ingdirect.com/products/products.asp?s=ElectricOrange

ATM availability published as of January 25th, 2012, at these locations:
https://home.ingdirect.com/products/products.asp?s=ElectricOrange, http://www.bankofamerica.com/accessiblebanking/index.cfm?template=ab_atm

Rewards program details published as of January 12, 2012 at these locations:
Ally: http://www.ally.com/bank/interest-checking-account/perks/index.html, Bank of America: https://additup.bankofamerica.com/jsp/01.0-welcome.jsp

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Stay in control of your money with online banking
  • Near-real-time transactional view (including pending amounts)
  • Mail checks and pay bills with free online bill pay
  • Schedule and automate free money transfers to/from other banks
  • Set e-mail and SMS alerts for low balances or important transactions
  • Check your perks balance and redeem in seconds
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Ways to redeem your perks

  Account credit: Use 2 perks to get cash put directly into your checking account, any time, as often as you'd like

  Retailers and Restaurants: Redeem for free at over 35,000 leading retailer and restaurant locations

Retailers:
Amazon.com Target Best Buy
Gap T.J. Maxx, Marshalls, HomeGoods Walmart
Sears Macy's iTunes
Restaurants:
Starbucks Dunkin' Donuts
Applebee's T.G.I. Friday's
Chili's Olive Garden
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Earn 5% Cash Back with PowerPerks*

Every month, we give you special opportunities to earn 5% cash back at places that are popular for the time of year. Whether it's for spring spruce up, summer fun, back to school, or holiday cheer, you'll always find a way to earn more.

May PowerPerks

With May flowers come blooming perks. Watch your cash back balance grow this May with 5% bonus perks on festive footwear, new sporting equipment, something extra delicious for the kitchen, or cards and gifts for the special people in your life. From May 1 through May 31, you'll earn 5% cash back on all non-PIN purchases at:

  • Zappos.com®
  • Sports Authority® (online and in-store)
  • Hallmark (online and in-store)
  • Williams-Sonoma® (online and in-store)
We announce monthly PowerPerks on Facebook and Twitter.
Join us for the inside scoop and more savings tips!
*5% cash back on special categories and merchants we announce every month via Twitter (@perkstreet), our Facebook page or other company communications. PowerPerks bonus perks limited to $5,000 in spend every calendar year. Unless specific stores are named, qualifying purchases are determined by Merchant Category Codes. Some redemption options require you to use additional perks beyond the redemption value, effectively reducing your cash back rate.
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