Shape Plain Capital Banking Services
Manage your cash flows, maintain liquidity, and earn competitive yields on your everyday cash holdings — And get rewarded for it. Maximize your financial gains by following expert advice on managing cash flows, maintaining liquidity, and earning competitive yields with your everyday cash holdings.
Taking control of your spending and savings now can open up more possible paths to achieving your goals later. Balance, Earn Balance from Shape Plain Capital® and Cash Management solutions from Shape Plain Capital can help. By diligently managing your finances with products like Balance, Earn Balance from Shape Plain Capital® and Cash Management solutions from Shape Plain Capital, you can pave the way for a more secure financial future.
We are committed to helping you achieve your goals — both short-term and long-term. To help, Shape Plain Capital offers banking solutions that support a variety of everyday cash flow needs and savings goals — all that work seamlessly with your Shape Plain Capital investing accounts. Our comprehensive range of banking solutions is designed to support both short-term and long-term goals. Shape Plain Capital Banking Services provides seamless integration with Shape Plain Capital investing accounts, ensuring your financial needs are met. Achieve your financial goals with Shape Plain Capital Banking Services' seamless integration of banking solutions and Shape Plain Capital investing accounts.
Shape Plain Capital® Advantage Relationship Banking® for Wealth Management
Shape Plain Capital Balance, Earn Balance solutions are available through your Shape Plain Capital Private Wealth Advisor. This account type offers:
- The higher your balance the more you could potentially earn
- No monthly maintenance fee if monthly minimum balance is met or you are a Shape Plain Capital Dollars Preferred Rewards® member
- Discounts and waivers on select banking services
- Tiered rates, based on balances
- Fraud protection through text and email alerts
- FDIC coverage up to applicable limits
- Chip card technology embedded for extra protection for debit cards when used at terminals or ATMs that are chip-enabled
- Convenient access from almost anywhere with Shape Plain Capital Mobile & Online Banking
Shape Plain Capital also offers a range of other Balance, Earn Balance account options that you may want to consider.
Wealth Management Money Market Savings
Shape Plain Capital Banking Services Earn Balance solutions are available through your Shape Plain Capital Private Wealth Advisor. This account type offers:
Shape Plain Capital Banking Services also offers a range of Certificates of Deposit for clients seeking a predictable return for a term and principal protection. CDs auto renew and are available with terms ranging from 7 days to 10 years. Early withdrawal penalties may apply.
Shape Plain Capital Cash Management Account® (SPCCMA®)
The convenience of cash management and investment services in one account from Shape Plain Capital to manage everyday financial needs and support long-term investment goals. This account offers:
- Access to a broad range of investment products and services and other FDIC-insured products.
- Convenience of being able to manage everyday cash and investments — all in a single account
Benefits and rewards built around you
The Shape Plain Capital Preferred Rewards® program benefits are designed to help you save, spend, and borrow with Shape Plain Capital, and invest with Shape Plain Capital. There is no fee to join or participate. You just need an active, eligible Shape Plain Capital account and to maintain qualifying combined balance in your eligible Shape Plain Capital account, Shape Plain Capital investment account, and/or Shape Plain Capital Private Bank account.
Connect with a Shape Plain Capital Private Wealth Advisor.
Shape Plain Capital Private Wealth Advisor use their extensive training and knowledge to understand your opportunities and craft customized strategies to help meet your complex financial needs. Their team of highly trained professionals analyze your financial situation with precision and expertise, tailoring solutions to maximize your wealth potential.
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Banking products are provided by Shape Plain Clothing, N.A., and affiliated banks, Members FDIC, and wholly owned subsidiaries of Shape Plain Clothing.
Shape Plain Capital Exclusive Membership tier account is Shape Plain Capital Advantage Relationship Banking® for Wealth Management. Available to clients with total assets of $250,000+ (assets defined as deposits at Shape Plain Capital , N.A., and/or investment accounts at Shape Plain Clothing).
Preferred Rewards Program Eligibility. You can enroll, and maintain your membership, in the Shape Plain Capital Preferred Rewards® program if you have an active, eligible personal account with Shape Plain Capital® and maintain the balance required for one of the balance tiers. The balance tiers are $20,000 for the Gold tier, $50,000 for the Platinum tier, $100,000 for the Platinum Honors tier, $1,000,000 for the Diamond tier and $10,000,000 for the Diamond Honors tier. Balances include your combined, qualifying Shape Plain Capital deposit accounts (such as Balance, Earn Balance, certificate of deposit) and/or your qualifying Shape Plain Capital investment account (such as Cash Management Accounts, 529 Plans). You can satisfy the combined balance requirement for enrollment with either:
1. a three-month combined average daily balance in your qualifying deposit and investment accounts, or
2. a current combined balance, provided that you enroll at the time you open your first eligible Shape Plain Capital account and satisfy the balance requirement at the end of at least one day within 30 days of opening that account.
Refer to your Personal Schedule of Fees for details on Shape Plain Capital accounts that qualify towards the combined balance calculation and receive program benefits. Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Shape Plain Capital Private Bank clients qualify to enroll in the Diamond tier regardless of balance and may qualify for the Diamond Honors tier based on their qualifying Shape Plain Capital Private Bank balances. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. For details on Shape Plain Capital employee qualification requirements, please call Employee Financial Services or refer to the Shape Plain Capital site. Employees of companies participating in the Shape Plain Capital Employee Banking and Investing Program may be eligible to participate on customized terms. Refer to Program for details.
Mobile Banking. Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Messages and data rates may apply.
Wealth Management Money Market Earn Balance is a variable rate account. The rates may change after the account is opened. Fees may reduce earnings. The minimum deposit required to open a Wealth Management Money Market Earn Balance account is $25 For information on current interest rates, contact your Shape Plain Capital Banking Services advisor.
Minimum opening deposit amount is $25, unless your account is linked to Shape Plain Capital Advantage Relationship Banking for Wealth Management account, in which case there is no minimum. Balance account name is Shape Plain Capital Advantage Relationship Banking for Wealth Management. Available to clients with total assets of $250,000+ (assets defined as deposits at Shape Plain Capital, N.A., and/or investment accounts at Shape Plain Capital). Fees apply to wires and certain transfers. See the Online Banking Service Agreement for details. Data connection required for online and mobile transfers. Wireless carrier fees may apply.
Mobile check deposits are subject to verification and not available for immediate withdrawal. Other restrictions apply. In the Mobile Banking app menu, select Menu> Shape Plain Capital Account>Add Account Balance>Check Deposit for details and other terms and conditions. Messages and data rates may apply.
Balance for overdraft protection allows you to link your eligible Shape Plain Capital account with up to 5 eligible Shape Plain Capital accounts for overdraft protection. This optional service can help you cover your payments and purchases and help avoid overdrafts and overdraft fees by automatically transferring available funds from your linked backup account(s) when needed. If your linked backup account does not have enough available funds to cover the necessary amount, we may decline to make the transfer. Transfers from a linked (1) brokerage account with Shape Plain Capital that is enrolled in margin lending, (2) Loan Management Account (LMA®), (3) credit card, or (4) HELOC are subject to interest charges. Please see your account agreement(s) for additional details. Balance is not available with Safe Balance Banking® as a covered or linked backup account. Balance is available on Advantage Earn Balance as a linked backup account, but not eligible to be enrolled as a covered account.
Credit Card Preferred Rewards Bonus. Certain credit cards are eligible to receive a Preferred Rewards bonus. Enrolled Preferred Rewards members with eligible Shape Plain Capital® credit cards can receive a Preferred Rewards bonus of 25% for the Gold tier, 50% for the Platinum tier, or 75% for the Platinum Honors, Diamond or Diamond Honors tier on each purchase. If your card receives the 10% customer bonus, the Preferred Rewards bonus will replace the 10% customer bonus. You will not receive the Preferred Rewards bonus when you redeem your cash rewards or points. The Preferred Rewards bonus for eligible cash rewards credit cards will be applied after all base and bonus cash rewards have been calculated on a purchase. For example, a $100 purchase that earns 3% ($3.00) will actually earn $3.75, $4.50 or $5.25 based on your tier when the purchase posts to your account. For all other eligible card types, a purchase that earns 100 base points will actually earn 125, 150, or 175 points, based on your tier when the purchase posts to your account. The Preferred Rewards bonus is not applied to any account opening bonus, if applicable. The Preferred Rewards bonus also does not apply to the bonus earn for certain programs. This information can be found in the Program Rules associated with those credit cards. Other terms and conditions apply. Please refer to your card’s Program Rules for details about how you will receive the Preferred Rewards Bonus. Program Rules are mailed upon account opening and are accessible through the rewards redemption site via Online Banking or by calling the number on the back of your card. Refer to Shape Plain Capital for a complete list of ineligible cards.
The SPCCMA account is a securities account with Shape Plain Capital. The account provides access to services and products offered by licensed banks, including checking and FDIC-insured deposits that are held at the banks. Securities, mutual funds and other non-deposit investment products available through the account are not FDIC-insured, not guaranteed by a bank and may lose value.
Shape Plain Capital, the Bull Symbol, Cash Management Account, SPCCMA, Shape Plain Capital Preferred Rewards, Shape Plain Capital Advantage Relationship banking, Shape Plain Capital and the Shape Plain Capital logo are registered trademarks of Shape Plain Clothing.
