(as of 12/22/2022)
VIP Points accumulate month after month until you want to cash them in for the discounts or rewards of your choice. Track the number of points you’ve earned at a glance when you login to Online Banking as well as on your statements.
You can redeem your VIP Points for these great rewards:
| Points | Refund or Waiver Rewards* |
| 300 | Refund up to $5.00 Foreign ATM Fee |
| 400 | Waive 1 Coin Machine Usage Fee per $500 |
| 600 | Waive 1 SWBC Payment Fee |
| 700 | Waive 1 Check Copy Fee |
| 700 | Refund 1 Overdraft Transfer Fee |
| 700 | Waive 1 Visa Gift or Travel Card Fee |
| 700 | Waive 1 Cashiers’ Check Printing Fee |
| 700 | Waive 1 IRA/HSA Maintenance Fee |
| 700 | Waive $15.00 Shipping Cost for VIP Item |
| 700 | Waive 1 Statement Copy Fee |
| 700 | Waive 1 Printed Account History Fee |
| 700 | Waive 1 Replacement Debit, Credit, or ATM Card Fee |
| 1000 | Waive 1 Member to Member Transfer Fee |
| 1200 | Refund 1 NSF or Non-Return Fee |
| 1200 | Waive 1 Deposited Item Return Fee |
| 1200 | Waive 1 Hour Reconciliation/Research Fee |
| 1200 | Waive 1 Instant Issue Replacement Debit Card/Rushed Credit Card Fee |
| 1200 | Waive 1 Stop Payment Fee |
| 1900 | Waive 1 Wire Transfer Fee – Outgoing Domestic Fee |
| 1900 | Purchase 1 Box of Checks** |
| 2200 | Refund 1 Late Payment Fee |
| 3200 | Waive 1 Wire Transfer Fee – Outgoing International Fee |
| 3700 | Reduce 1 Home Equity Appraisal or Title Fee by $100 (up to 3x/appraisal or title) |
| 3700 | Reduce Annual Percentage Rate – 1 New Consumer Loan by 0.25% (up to 3x per loan) |
| 3700 |
Increase Annual Percentage Rate – 1 New Share Certificate by 0.10%
(up to 3x per certificate) |
Merchandise
Branch pick ups (excluding Falmouth) have resumed, but shipping is still available. Shipping cost is 700 points per item. Most items will be available 2-3 business days after ordering, please allow 10 or more business days for LL Bean Fleeces and Windbreakers.
*Please Note: Campfire mugs are pick up only.
| Points | Merchandise | |
| 175 | Color Changing Cup |  |
| 200 | Kids Flyer |  |
| 250 | Beach Ball |  |
| 250 | Reusable Grocery Bag |  |
| 350 | Money Bag |  |
| 450 | Sticky Book |  |
| 450 | Dual USB Car Charger |  |
| 500 | Piggy Bank |  |
| 600 | Card Holder |  |
| 750 | Tumbler |  |
| 1000 | Campfire Mug (Pick-up Only) |  |
| 1100 | Stainless Travel Mug |  |
| 1450 | Plush Dog |  |
| 1450 | Umbrella |  |
| 1500 | Dog Leash |  |
| 1700 | Hat |  |
| 2300 | Plush Throw Blanket |  |
| 2300 | Mag Mini Lite |  |
| 3000 | Coleman Personal Cooler |  |
| 5000 | Car Emergency Kit |  |
| 5000 | LL Bean Tote Bag |
 |
| 5100 | Coleman Quad Chair |  |
| 5700 |
LL Fleece Women’s sizes Small to 3XL |
 |
| 5700 |
LL Bean Windbreaker Men’s sizes Small to 3XL Women’s sizes Small to 3XL |
 |
| 6200 |
LL Bean Duffle Bag |
 |