Debit Card Rewards | uChoose Rewards®

Get rewarded for using your debit card!

Did you know your Debit Mastercard® can earn rewards points with SCU?

Here’s how it works:

Register with uChoose Rewards® to start building your points bank.
You will earn points for using your SCU Debit Mastercard® as "credit" at the register.
- For every $3 spent on signature based transactions, you will receive one uChoose Rewards® point.
Redeem for brand-name merchandise, gift cards, hotel stays, car rentals, cruises, or airline tickets.

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Which checking account is right for you?

We've got plenty of checking options for your specific needs.

MyFree

Standard, hassle-free checking account perfect for your daily spending needs

No Monthly Fees: Say goodbye to maintenance charges.
Low $5 Opening Deposit: Start strong with just $5.
Earn Debit Card Rewards: Every purchase earns points with the uChoose Rewards® program.
No Transaction Fees: Seriously. No transaction fees.

MyGreen

Enjoy a rewarding banking experience with MyGreen Checking, designed for members who are online for their everyday banking needs.

ATM Surcharge Reimbursements: Get up to 8 non-SCU ATM surcharges reimbursed per month!*
No Hidden Fees: No need to worry about a monthly fee with MyGreen Checking
Low Opening Requirement: Open your account with just $5.
Earn Debit Card Rewards: Every purchase earns points with the uChoose Rewards® program.
Need Checks? Checks are available for a low transaction fee of $1.00 per check.

MyInterest

Perfect checking account for those who maintain larger checking balances and want to earn interest.

Earn interest on your checking account balance
Waive Monthly Fees: Keep your balance $500 or above to avoid a $5.00 monthly maintenance service charge
Low $5 Opening Deposit: Start strong with just $5.
Earn Debit Card Rewards: Every purchase earns points with the uChoose Rewards® program.
No Transaction Fees: Seriously. No transaction fees.

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*You may be assessed an additional fee or surcharge by the ATM owner if they are not a member of the CO-OP or SUM Network.

Debit as credit?

Most people are familiar with credit card rewards, but those rewards often come with a card that has a high interest rate. If you aren't paying down that credit card bill, the interest you owe can outweigh the interest you owe back.

With uChoose Rewards, you get rewarded without having to worry about paying down a bill at the end of the month. When you use your debit card as "credit," it is really just using your signature to verify the transaction as opposed to a PIN. The amount of the transaction will still deduct directly from your linked bank account.

learn more about our debit card

Debit versus credit card – What’s right?

Not sure whether to use your debit card or credit card? Check out this blog that can help you make the right choice for you and your situation.

read blog

uChoose Rewards | Frequently Asked Questions

I received an instant issue Debit Mastercard in a branch. Can I register for uChoose Rewards on the same day?

To register for uChoose Rewards, you will need to wait 24 hours before the uChoose Rewards system will recognize your account number.
Can I share points with family members?

Yes. All cards associated with an account will automatically earn points together. You can link them together from the My Account page of the uChoose Rewards site
Do I need to register for UChoose Rewards?

Yes. To begin earning points, you must first register your SCU Credit Union Debit Mastercard® at uChooseRewards.com. Once you register one card you can link other cards to your uChoose Rewards account and pool your points.
Can I return my redemption item, and if yes, how do I do it?

Some redemption items can be returned and some cannot. Please review the Terms and Conditions to understand the various redemption policies and processes.
Can points be redeemed at the point of purchase or can they only be redeemed online?

You may only redeem points online through www.uchooserewards.com
What happens to my points if my card is lost or stolen?

If your card is lost or stolen and a replacement is issued, points will automatically be transferred to the new card. Once you receive your new card, you will need to re-register your new card at www.uchooserewards.com
How can I track my points?

We keep track of your points for you – just register at uChooseRewards.com and check your points balance anytime right on the homepage! You can access the history of your point activity on the Point Details page.
How do I earn points?

Points are earned on signature (credit) transactions wherever Debit Mastercard® is accepted...plus, earn additional points for shopping at participating retailers, in-store or online through uChooseRewards.com. For every 3 dollars spent on a signature-based transaction, you will receive 1 point. CREDIT transactions will not earn rewards when processed on a debit network. SCU Credit Union assumes no liability for transactions processed by the merchant on a debit network. Cash advances, transfers, ATM transactions or PIN transactions do not earn points.
What can I get when I redeem my points?

It’s your choice! You earn one point for every $3 spent using your SCU Credit Union Debit Mastercard®. You must have a minimum of 1,500 points to redeem. You can choose from millions of options like merchandise, travel experiences and activities, event tickets, merchant gift cards, and more. We keep track of all the points you earn and we even have a Wish List that will help you track when you have earned enough to redeem a specific item.
When I redeem for a product, can I ship my redemption to another address including a work address even if its not the one SCU Credit Union has on file for me?

Yes, you will have the opportunity to change the address within the redemption process as long as the address is located in the United States.
Do my points expire?

Points expire 3 years after issuance.
What is a signature-based Credit transaction?

A signature transaction utilizes the Mastercard® portion of your card. All you have to say to the merchant is ‘credit please’ and sign for your purchase. Easy!
Do I have to get a new SCU Credit Union Debit Mastercard to benefit from this new UChoose Rewards Program?

No. We will activate your existing card when you register your card.
How much does it cost to participate?

There is no cost. Membership in uChoose Rewards is free for SCU Credit Union Debit Mastercard® cardholders.
What is uChoose Rewards?

uChoose Rewards is a rewards program where you can earn points for using your SCU Credit Union Debit Mastercard®, then redeem your points from millions of options like merchandise, travel experiences and activities, event tickets, merchant gift cards, and more.
Where can I earn points?

You earn points most everywhere your card is accepted. Purchases made with your Mobile Wallet using such services as: Apple Pay®, Samsung Pay®, Google Pay™, or PayPal®, where you have registered your SCU Credit Union Debit Mastercard® will also earn you uChoose Rewards® points.
What if I shopped at a participating retailer, but my points aren’t showing up?

It can take up to 60 days for transactions to appear on the Point Details page on the uChoose Rewards® site. If points from a qualified transaction do not appear after 60 days, contact a uChoose Rewards® Specialist at service@uchooserewards.com or by phone at 855-559-6528.