$200 Is up For Grabs

Choose any one of our spend account options and earn up to $200 in bonus rewards* within your first year.

Ready to get started?


How do you get rewarded?


Simply choose your account*** and set up Early Pay3

We have four accounts to pick from. Choose your favorite and set up Early Pay (direct deposit3 to get paid by employer up to 2 days early!)


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Maintain an
average balance

You will be required to maintain an average monthly balance of $1,000* consecutively over the first three months of your account being open.


Continue through
your first year

Maintain your direct deposit3 and the average balance of $1,000** for another nine consecutive months and we will reward you again!



All of our spend accounts are
packed with great features:

Your own "contactless" debit card

Your name, your debit card number, and…a smile.

Personalized dashboard

Keep it basic, or change it to make it fit you.

You "name-it" Goal accounts

Go ahead, save for that new guitar, bike, car, home, or whatever!

Round-up widget

A simple way to save that puts you in control.


See all your finances on one page. “Plan” for your future.


A fast, safe and easy way to send and receive money with friends, family, and others.

55,000 free AllPoint ATMs

Use the Allpoint ATM Locator. Your cash is never far away.

With Early Pay, get paid up to 2 days early3

It's your cash, get it sooner. Available with any of our spend accounts.

Need help learning about your account options?

Let Sarah introduce you to all four account options available for this offer. 



* Get $100 after opening any mph.bank Spend (checking) account AND setting up a monthly Early Pay3 AND maintaining an average balance of $1,000 for 3 consecutive months.

** Get another $100 for maintaining the same requirements above for an additional 9 consecutive months. 

*** Offer not available to existing mph.bank Spend account customers or those who have closed a checking account in the last 12 months. Account must be in good standing (not be overdrawn) throughout the duration of the special. 

1 Each reward will be deposited to your new account by the 30th day after meeting the requirements. 

2 Average balance requirement starts the first full month following the month you open your account.

3 Early Pay is more commonly known as direct deposit. Direct deposits are defined as payments issued to you by your employer or any government entity on a regular basis. You must have a direct deposit set up for the account before the end of the first full month following the month you open your account. Access to funds for getting paid early can be up to two days prior to the date of the scheduled payment and is dependent on the submission of direct deposit by the payer. Standard fraud prevention restrictions apply.