Earn points You will earn even more points for purchases made through a network of merchants, such as Citizens' Bank's Merchant Network or Wachovia's Earn More Mall. These networks include popular retailers like Gap, Office Depot and more. Once you register, you can access these websites through a customized portal, and your purchases will help you accumulate rewards points fast and whether you can choose a points-based program online banking rewards programs help you earn a positive return on your hard-earned cash. And who knows, you might even earn enough points to redeem for that you've fabulous family vacation .