Dean Bank Rewards Frequently Asked QuestionsEverything you need to know to get the most out of Dean Bank Rewards!Below are the answers to some of our most Frequently Asked Questions about Dean Bank Rewards. The answers will provide you with tips that will help you to maximize your Rewards potential. Check out the Dean Bank Rewards website for even more information about this exciting program!
Q: How do I sign up for Dean Bank Rewards?A: A Dean Bank Rewards account is automatically established for every checking account that has a debit card – including individuals and businesses. So if you have a Dean Bank Debit MasterCard and/or Debit BusinessCard, a Dean Bank Rewards account exists for each checking account associated with a debit card. Each Dean Bank Rewards account is established in the name of the primary owner on the checking account. Q: What if I have more than one checking account with associated debit cards?A: By default, you will have a Dean Bank Rewards account for each checking account that has a debit card. Each of these Rewards accounts will separately accumulate DeanPoints based on the usage of the debit cards associated with each checking account. If you are the primary owner on more than one checking account, you may consolidate the separate Rewards accounts associated with each checking account into one Rewards account. This will allow you to manage all your earned and redeemed points in one place and will make it easier to earn better rewards faster. Please see or speak with a Bank representative to do this. Note: Once Rewards accounts are combined, they cannot be separated again. Q: Why should I register to view my Dean Bank Rewards account online?A: Once registered online, you can access your Rewards account information at any time to determine how many points you have, to view all the merchandise, gift card, travel and download options available for redemption, and to actually redeem points as well. Q: How do I register to view my Dean Bank Rewards account online?A: Click here and use these instructions. You will need the primary owner of the checking account’s name, last four digits of their Social Security Number, and the checking account number to register for online access. You will also be required to give and confirm a valid email address where the notification will be sent, and to establish a username and password for future Rewards account access. You will be asked to give your mother’s maiden name to be used as a security question if you forget your password in the future. If you have any issues registering online you can call 1-877-OUR-RWDS (1-877-687-7937) for 24/7 assistance. Q: Why should I opt to receive monthly email notification of my Dean Bank Rewards statement instead of receiving a quarterly printed statement?A: Your Rewards account is updated at the beginning of each month with the new DeanPoints you’ve earned and redeemed in the previous month. If you have not registered online, you will only get a quarterly paper statement showing your Rewards account activity over the prior three months. If you have registered online, you have the ability to view your Rewards account online at any time. However, unless you have selected the option to receive e-statement notification, you will not be reminded when your Rewards account is updated and you will continue to receive a quarterly paper statement in the mail. Opting to receive email notification each month will not only keep you most up-to-date on your Rewards account status, but it will also reduce the amount of paper waste created by sending you a paper statement. In addition, Dean Bank will automatically award you with 500 Bonus Points just for choosing this option. Q: How can I opt to receive my Dean Bank Rewards e-statement notification?A: If you have not yet registered your Rewards account online, you have the ability to select this option during the registration process. See above for registration instructions. If you have already registered for online access but did not select the e-statement notification option at the time, you can still do so. Click here and select Yes for Send notification via email when online statement is available. Q: How often are the DeanPoints I’ve earned applied to my Rewards account balance?A: Your Rewards account balance is updated on a monthly basis during the first week of the month. All of the previous months’ points earned and redeemed are updated at this time. To receive e-statement notification each month when your Rewards account has been updated, see the question above. Q: What are Bonus Points?A: Bonus Points are additional promotional points that the Bank may offer from time to time as a reward for doing something specific. For example, Dean Bank offers 500 Bonus Points for signing up to receive an e-statement notification of your monthly Rewards account activity. Another example could include awarding 1,000 Bonus Points for opening a new checking account with a debit card. Q: What are Bonus Rewards?A: Bonus Rewards are different than Bonus Points. Bonus Rewards are in essence sale items that you can redeem your DeanPoints for. It could be merchandise that is being discontinued or was purchased at a great price, and those savings are passed on to you. Bonus Rewards provide opportunities for you to spend less DeanPoints on a high quality item. So always be sure to view this area of the Dean Bank Rewards website when you’re getting ready to redeem your points!! Q: What is the best way to contact someone if I have questions or issues regarding Dean Bank Rewards?A: During bank hours, you may contact your local branch or our Main Office at 508-528-0088. When the bank is closed, you may call the Dean Bank Rewards toll free number 1-877-OUR-RWDS (1-877-687-7937). This toll free number will be answered 24 hours a day, 7 days a week, 365 days a year! Q: When making a purchase with my Dean Bank debit card, if I choose to receive cash back during my transaction, will the number of DeanPoints I earn be calculated on the cash back amount?A: Because a PIN is needed to initiate “cash back”, no part of that transaction would be eligible for DeanPoints. If you want to get cash back and earn DeanPoints on your purchase, here is an option. Make your purchase without cash back as a non-PIN transaction by signing for the purchase. Then, purchase something else, such as a package of gum, using your PIN and ask for cash back on this second transaction. Q: Some merchants automatically prompt me to enter my PIN. How do I make a purchase with my debit card without using my PIN so that I can earn DeanPoints on the purchase?A: To earn DeanPoints when shopping with your Dean Bank debit card, you MUST choose “Credit” at the register. When you choose “Debit,” you are required to enter your PIN and the transaction is processed through the same networks as ATM transactions. When you choose “Credit,” you are usually required to sign your name and the transaction is processed through the credit card networks such as MasterCard, VISA or DiscoverCard. In both instances, the funds are debited from your checking account, but you only earn DeanPoints on non-PIN (Credit) transactions. Some merchants automatically default to a debit transaction and request a PIN immediately when the card is swiped. Remember, if a merchant is requesting your PIN, don’t enter it and ask the cashier to process the card as a “Credit” instead. Q: I have a really big purchase I am planning on making with my Dean Bank debit card. Is there any limit to my purchase amount?A: Debit MasterCard customers default to a $1,500.00 daily limit for purchases and Debit BusinessCard customers default to at $2,000.00 daily limit for purchases. You may request a temporary increase to your limit so you can go shopping to purchase a larger, high-ticket item, go on vacation or for other reasons. You may also request a permanent increase to your limit if you regularly use your Debit MasterCard or Debit BusinessCard for larger purchase. The maximum temporary and permanent daily limit is $10,000.00. To request a purchase limit increase, please call the bank at 508-528-0088.
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