Earn Points for the Products & Service You UseMore is a loyalty program that actually rewards loyalty. It allows you to gain points and get great perks based on the products and services you use, not how much money you have. Do I need to enroll in the program? You will be automatically enrolled if you have a MoreScore of 200 or more points. Your MoreScore is calculated on the last business day of each month, and if you qualify for More or EvenMore, you will automatically begin receiving those perks on the first day of the following month. Visit Online Banking to find out your MoreLevel and check your MoreScore. Log In Have questions? Call us at 800.325.0808 or stop by a branch near you. Bringing You More and EvenMoreThere are two tiers of perks. The perks get better the higher your MoreScore, which is determined by how many products and services you use. Members with a MoreScore of 200–399 qualify as More members, while members with a MoreScore of 400+ qualify as EvenMore members. For members with 200-399 points Dividend rate increase on MoreSavings and MoreChecking Out-of-network ATM fee savings: Affinity fees for up to 8 monthly transactions are waived at the end of each month No fees for Money Orders and Cashier's Checks Overdraft Protection Transfers (Linked Accounts): One free per month For members with 400+ points Dividend rate increase (best rate) on MoreSavings and MoreChecking accounts Out-of-network ATM fee savings: all Affinity fees are waived, and up to $10 in fees charged by non-Affinity ATM owner are rebated at the end of each month Double points on all Affinity Pure Rewards® Visa® credit card purchases Free check orders Free paper statements 25% discount on Safe Deposit Boxes No fees for Money Orders and Cashier's Checks Overdraft Protection Transfers (Linked Accounts): Six free per month See additional details about benefits1 below. It’s Easy to Earn MorePointsYou earn points based on your relationship with Affinity - for the products and services you use, as well as how long you've been a member. Take a look and see how easy it is to earn MorePoints! The chart below shows how points are assigned to products and services. Or, you can calculate your own MoreScore now! Debit and Credit Card Usage Debit Card Usage: 10-15 transactions/month 50 points 16+ transactions/month 100 points Active Credit Card 25 points Credit Card Usage: 10-15 transactions/month 50 points 16+ transactions/month 100 points Checking, Savings, & Certificates Any Checking Account 75 points Checking, Savings, and Certificate Balances: $5,000 - $9,999 25 points $10,000 - $24,999 75 points $25,000 - $99,999 100 points $100,000 - $249,999 150 points $250,000+ 200 points Affinity Investment Services Account* Active Account 50 points Other Direct Deposit 50 points Paperless Banking 25 points Tenure 20+ years 50 points Loans First Mortgage 150 points Auto Loan 100 points Home Equity Loan or Line of Credit 100 points Other Consumer Loan 50 points New - Business Services** Business Checking 50 points Business Checking, Savings and Certificate Balances of $100,000 or more 100 points Business Loan Balance of $50,000 or more 150 points See additional details on program eligibility and how points are calculated2 below. View most frequently asked questions.