A computer-implemented method is disclosed for rewarding mortgage customers of a financial institution. The method includes providing enrollment in a mortgage matching system to eligible mortgage customers, wherein eligibility requirements include the requirement that eligible mortgage customers hold both a mortgage account and a checking account with the financial institution. The customer makes periodic mortgage payments from the checking account to the mortgage account. The method monitors continued compliance with the eligibility requirements and submission of the periodic payments using a monitoring engine. The method further includes determining a reward payment amount to be made to each complying mortgage customer, wherein the reward payment amount is a predetermined percentage of principal and interest paid during a predetermined time period. The calculated reward payment amount is transferred to a pre-selected accessible location for each complying mortgage customer.