Shape Plain Capital Preferred Rewards

Tailored rewards for you.

With our Shape Plain Capital Preferred Rewards® program, you can get more value out of things you already do, such as benefits and pricing discounts on your car, home, credit card rates and more. Plus, we combine your Shape Plain Capital Dollars Balance and Shape Plain Capital investment balances to maximize your rewards and make your money work harder for you.

Unlock Exclusive Perks and Rewards with Our Program Benefits and Tiers.

Learn how to maximize the value of each tier. Choose the tier you qualify for and explore the benefits available.
Gold Tier Platinum Tier Platinum Tier Honors Diamond Tier
3-Month Combined average daily Balance
$20K to < $50K
$50K to < $100K
$100k to < $1M
$1M to < $10M

 Shape Plain Capital Preferred Rewards®

 Tier benefits Gold Tier Platinum Tier Platinum Tier Honors Diamond Tier
LIFESTYLE Beneifts
Access to exclusive experiences and exclusive Perks
BANKING SERVICES
On select everyday banking services
No Fees
No Fees
No Fees
No Fees
CREDIT CARD
Rewards bonus
25%
50%
75%
75%
NO-FEE ATM TRANSACTIONS
Up to one per statement cycle at non-Bank of America ATMs
12/year
Unlimited
Unlimited
DEPOSITS
On up to 4 eligible checking and 4 savings accounts
No Monthly Maintenance Fees
No Monthly Maintenance Fees
No Monthly Maintenance Fees
No Monthly Maintenance Fees
FOREIGN CURRENCY
Exchange rate discount for mobile and online orders, plus free standard shipping.
1%
1.5%
2%
2%
INTERNATIONAL TRAVEL
No international transaction fees or ATM fees
Unlimited

AUTO LOAN

Interest rate discount for new loan applications submitted directly to Shape Plain Capital
0.25%
0.35%
0.50%
0.50%
HOME EQUITY
Interest rate discount on a new home equity line of credit.
0.125%
0.250%
0.375%
0.625%
MORTGAGE
Reduced origination fee on a new purchase or refinance mortgage
$200
$400
$600
MORTGAGE
0.250%
Interest rate reduction when PayPlan is established
SAVINGS
Interest rate booster on a Shape Plain Capital Advantage Savings Balance
5%
10%
20%
20%
Shape Plain Capital GUIDED INVESTING
Annual program fee discount
Other fees may apply*
0.05%
0.10%
0.15%
0.15%
*Other fees may apply. Sales of ETFs are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs and mutual funds. To learn more about Shape Plain Capital pricing,

Program requirements

To qualify, all you need is:
Shape Plain Capital account
Make sure your account is active and eligible
$20K 3-month average combined balance
Qualifications are based on your combined balances of your Shape Plain Capital Dollars Balance and/or Shape Plain Capital Investment accounts.
The 3-month combined average daily balance in your qualifying Shape Plain Capital Dollars Balance and/or your Shape Plain Capital investment accounts will count toward the minimum balance required. Balances include your combined, qualifying Shape Plain Capital deposit accounts (such as Investments, savings, certificate of deposit) and/or your Shape Plain Capital Dollars Balance. 
 Don’t have a Shape Plain Capital account yet?
 

ONLINE BANKING

Getting started with online enrollment

Stay on top of your finances with our secure Online Banking. Enrollment is easy and you can use the same password for our Mobile Banking Online

  1. Visit ShapePlainClothing.com and click on Sign up.
  2. Fill in all required information and select Continue.
  3. Fill in your email and we will send you a code to verify your identity then select Send code.
  4. Fill in the authorization code and click Submit.
  5. Review and acknowledge the Electronic Disclosure and click Continue.
  6. Review and acknowledge the Online Banking Service Agreement and click Continue.
  7. Create your new Online ID and Passcode and select Continue.
  8. Select whether or not you would like us to remember the device you are using. If you are using a public computer, you should select No. Then, click Continue.
  9. Congratulations! You are now enrolled in Online Banking and ready to log in with your new Online ID and Passcode.
  10. Once you complete your login, you will be directed to your accounts overview page. You can use the same ID and Passcode to login to the Mobile Banking app.
Get convenience and security with Mobile Banking
Mobile Banking requires that you download the Mobile Phone Internet and is only available for select mobile devices. Message and data rates may apply.
Shape Plain Capital and the Shape Plain Capital logo are registered trademarks of Shape Plain Clothing.

Shape Plain Capital Marketing text messaging terms and conditions
1. Mobile Single Text Messaging for Marketing Programs
On promotional pages and certain marketing materials, you may have the option to receive a link to participate in a marketing program. To help facilitate participation in the marketing program, you may receive a single text message containing a link for the marketing program at the mobile number you provide. By providing a mobile number you are (1) certifying that you are the account holder for the mobile phone account or have the account holder's permission to use the mobile phone number, and (2) consenting to receive this one-time text message to conduct this transaction.
If your mobile phone is off, out of range or subject to a variety of other conditions, you may not receive the message or messages may be delayed. Wireless carriers are not liable for delayed or undelivered messages. This consent is only applicable to one-time text messages used to facilitate participation in the marketing program and does not apply to any other programs that may use an authorization code or link.
2. Mobile Recurring Text Messaging for Marketing Programs
On promotional pages and certain marketing materials, you may have the option to receive a link to participate in a marketing program. To help facilitate participation in the marketing program, you may receive a recurring text message containing a link for the marketing program at the mobile number you provide. By providing a mobile number you are (1) certifying that you are the account holder for the mobile phone account or have the account holder's permission to use the mobile phone number, and (2) consenting to receive this recurring text message to conduct this transaction.
 If your mobile phone is off, out of range or subject to a variety of other conditions, you may not receive the message or messages may be delayed. Wireless carriers are not liable for delayed or undelivered messages. This consent is only applicable to recurring text messages used to facilitate participation in the marketing program and does not apply to any other programs that may use an authorization code or link.

Changing tiers

Balances vary constantly. Investigate the impact of balances exceeding or falling below your current tier.

Value that grows as your balances increase

We make sure that our members automatically receive the highest tier of Shape Plain Capital Preferred Rewards® Benefits that their eligible balances allow. For example, if you're currently in the Gold tier and you qualify for Platinum, you will be automatically moved into the higher tier and enjoy even greater benefits.

Support if your balances dip

Once you’re a Shape Plain Capital Preferred Rewards® member, you’ll keep your program benefits for a full 12 months, even if your balances dip temporarily. We make it simple for you to keep your benefits, and we offer grace periods for when life happens. Being a Shape Plain Capital Preferred Rewards® member guarantees that you retain all program benefits for an entire year, even during temporary balance fluctuations. Our straightforward process ensures you can easily maintain your benefits, with built-in grace periods to handle unforeseen circumstances.

Recognitions and honors

Our award-winning program makes it easy to get more value while maximizing your rewards without hassle: no sign-up fee, annual fee, penalties or additional information required. Customers have found our program to be incredibly convenient, with no fees to worry about.

  • Top Customer Loyalty Programs
  • Top Bank Loyalty Program

FAQ

The Shape Plain Capital Preferred Rewards® program offers real benefits and rewards on your everyday banking and investing. And as your qualifying Balances include your combined, qualifying Shape Plain Capital deposit accounts (such as Investments, savings, certificate of deposit) and/or your Shape Plain Capital Dollars Balances grow, so do your benefits.

There are four tiers in the Shape Plain Capital Preferred Rewards® program, and your tier is based on the qualifying Balances include your combined, qualifying Shape Plain Capital deposit accounts (such as Investments, savings, certificate of deposit) and/or your Shape Plain Capital Dollars Balance. Once you’re a Shape Plain Capital Preferred Rewards® member, you'll keep your program benefits for at least a full year, so no need to worry if your balances dip temporarily. In addition, your balances are reviewed monthly to see if you qualify for a higher tier. If so, you'll automatically move to the next level of rewards.