Your loyalty,
rewarded.
The more you bank with Najem Financial, the more you save. Our Preferred Rewards programme recognises your relationship and gives back with meaningful, lasting benefits.
Save hundreds each year on banking fees, earn boosted rewards on your credit cards, get lower rates on loans, and enjoy priority service at every touchpoint — all because of your loyalty.
Choose your path to greater rewards
Your tier is determined automatically by your combined qualifying balances across all eligible Najem Financial accounts. The higher your tier, the richer your rewards.
Gold
- Monthly maintenance fee waiver
- Priority customer service line
- 25% credit card rewards bonus
- Free standard wire transfers
- Discounted safe deposit box
Platinum
- All Gold benefits included
- 50% credit card rewards bonus
- ATM fee reimbursements (up to $25/mo)
- Auto loan rate discount (0.25%)
- Premium savings APY boost
Platinum Honors
- All Platinum benefits included
- 75% credit card rewards bonus
- Unlimited ATM fee reimbursements
- Mortgage discount (0.25%)
- Credit card annual fee waivers
Annual savings by tier
See how much more you can save each year as you progress through Najem Financial's Preferred Rewards tiers. Every tier delivers meaningful, compounding value.
What you get at each tier
A comprehensive view of every benefit available across all three Preferred Rewards tiers.
| Benefit | Gold | Platinum | Platinum Honors |
|---|---|---|---|
| Credit card rewards bonus | 25% | 50% | 75% |
| Savings APY boost | +0.05% | +0.10% | +0.20% |
| Auto loan rate discount | None | 0.25% | 0.50% |
| Mortgage rate discount | None | None | 0.25% |
| ATM fee reimbursements | $0/mo | Up to $25/mo | Unlimited |
| Monthly maintenance fee | Waived | Waived | Waived |
| Priority service access | Phone | Phone & Chat | Dedicated Banker |
| Credit card annual fee | Not waived | Not waived | Waived (1 card) |
| Safe deposit box discount | 20% off | 30% off | Complimentary |
| Wire transfer fees | Domestic free | Dom. & Intl free | All free |
| Investment account discounts | None | 10% off fees | 20% off fees |
Your combined balances count
You don't need a single large balance to qualify. Najem Financial adds together all eligible balances across your household accounts to determine your tier — making it easier to reach and maintain higher reward levels.
Your combined qualifying balance is calculated using a three-month daily average, reviewed monthly. You'll move up to the next tier within 30 days of crossing the threshold, and you'll stay in your tier for at least three months before any downgrade is assessed.
Example combined balance breakdown
Accounts that count toward your balance
Checking Accounts
All personal and joint checking account balances held with Najem Financial count toward your qualifying balance. Business checking accounts are calculated separately.
Savings Accounts
Standard savings, high-yield savings, and money market accounts all contribute to your combined balance. The daily average over three months is used for calculation.
Fixed Deposits (FDs)
The full face value of any fixed-term FDs counts, regardless of maturity date or interest rate. Included in full from the opening date.
Fixed Deposits
Fixed deposit accounts held at Najem Financial are included in your qualifying balance at their current balance value.
Investment Accounts
Eligible investment accounts — including brokerage, managed portfolio, and retirement accounts held through Najem Financial Investment Services — count toward your combined balance.
Enrol in three simple steps
Getting enrolled in Preferred Rewards is quick and free. Most customers are automatically notified when they become eligible.
Check your eligibility
Log in to your Najem Financial online banking dashboard and navigate to the Preferred Rewards section. Your current combined qualifying balance is displayed automatically, along with the tier you currently qualify for. You can also see how close you are to the next tier.
Link your accounts
If you hold accounts across multiple Najem Financial product lines — savings, investments, or fixed deposits — ensure they are all linked under your profile. Our team can assist with linking household or joint accounts to maximise your combined balance.
Enjoy your benefits
Once enrolled, your rewards bonuses apply automatically to eligible credit card purchases, your fee waivers activate immediately, and your rate discounts are applied to new and existing qualifying products. Benefits are reviewed and updated monthly.
Already qualify? You may already be enrolled!
If your combined qualifying balances have crossed a tier threshold in the last 30 days, you may have been automatically enrolled. Sign in to check your current status.
Check My StatusFrequently asked questions
Everything you need to know about Najem Financial's Preferred Rewards programme.
Start earning more today
Open a Najem Financial account today, grow your relationship with us, and unlock rewards that grow right alongside you. The sooner you start, the sooner your benefits begin.
Membership is free. Benefits activate automatically upon qualifying.