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UCCU Smart Rewards

Get more from your debit card.

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Automatically get rewarded for every dollar you spend using the debit card connected to your personal checking account.

You’ve got questions.
We’ve got answers.

Send us a secure message from within online banking or within our mobile banking app to open up a UCCU Money Market Account today.

(801) 223-8188 | Branch Locations

Available M–F 8am–6pm, and Sat. 9am–2pm,

Smart Rewards

By being a checking account holder, UCCU will automatically reward you one point for every dollar you spend using your debit card, which you can redeem for great gifts, gift cards, travel, and more!

Think of it as our way of saying thanks for being a loyal member!

Answers to Questions about UCCU Smart Rewards Points

How do I create an account?

An account will be created on your behalf. To claim your account, simply click “Start Here.” Enter the required information and click “Search.”

Do I need an email address for an account?

Yes, you must have an email address to create an account.

Does my account ever expire?

No, your account never expires.

What if I forget my password?

You should simply click the “Sign In” button and enter your email address after “Forgot your Password?” Click “Request Password” and a new password will be emailed to you.

How do I earn points?

Eligible accounts will earn points when using your debit card for both in-store and online purchases. You’ll earn one point for every $1 spent with a signature or PIN transaction.

What is a savings certificate?

Every time you qualify, points will be issued in the form of a savings certificate. Certificates will automatically be deposited into your online rewards account each month.

How do I view my point balance?

When you sign in, your current point balance will be displayed at the top of the screen.

Do points expire?

The expiration date on the points is noted on the certificates screen. Points will be invalid at 12 AM on that date, and cannot be redeemed for a reward.
Their value will become 0.

How do I redeem points for a reward?

You can redeem rewards by clicking on the “Rewards” button. Search for products by category, number of points, or by keyword. Simply click on the reward you wish to order and click “Order.” Verify the shipping information and click the submit button. Then, confirm your order. Most reward items arrive within 3 weeks.

Can I send my reward to someone other than myself?

Yes. Simply enter a different address in the shipping information and your reward can be sent to someone else.

Do you ship to PO Boxes?

Yes, many of our rewards can be shipped to PO Boxes. However, if you select one that is shipped via FedEx Ground, you will be prompted to enter a physical address for delivery, as FedEx does not deliver to PO Box addresses.

How do I contact customer service?
Call or Text

(801) 223-8188
Mon – Fri: 8:00am – 6:00pm
Sat: 9:00am – 2:00pm

Send an Email

[email protected]
Or send us a message from inside online banking.

Why is my online banking login not working on this site?

Your user name and password for your UCCUsmartrewards.com account is not the same as your login and password for online banking through your financial institution.

eDeposit Frequently Asked Questions

My family has several accounts under different account holder names, and we would like to pool our savings certificates into one online rewards account. Is this possible?

Yes, you may link up to 5 different account numbers to one online rewards account. They do not have to have the same account holder names on them.

What if I need to remove one of the accounts from eDeposit due to an account closing or perhaps that person no longer wants to share points? Can accounts be removed?

Yes, you may add, update or remove linked accounts at any time by signing in to your online rewards account and clicking “My Account,” then “Click to view your eDeposit feature.” Scroll down to the area where your account numbers and zip codes are saved, and click “Remove” after the account number and zip code you would like removed. Enter the Security String and click “Save.”

What if I open another checking account at my financial institution at a later date? Can I add that account to eDeposit at a later time?

Yes, you can add an account at any time by signing in to your online rewards account and clicking “My Account” to access the eDeposit feature. Once an account has been opened for at least 30 days, it may be added to the site.

I have never had to enter my checking account number online before. Will my information be safe?

Yes. When using the eDeposit feature, you will notice some security features in place that must be completed for your information to be accepted, and we also have several internal features in place to safeguard the security of your account information.

Electronic Gift Card Questions

What is the difference between e-gift cards and regular gift cards?

E-gift cards are sent to you digitally in your rewards account, so that you may access them immediately after you have placed your order. Standard gift cards are mailed, and will ship from our warehouse within 5 business days after your order is placed. Delivery time is subject to US Postal Service delivery processes.

 I placed my order, but did not receive the link for my selection. What should I do?

First, check your Junk Mail and/or Spam file for the email. If you do not see it in either of those areas, please call or email our customer service department.

Am I limited on how I use my e-gift card?

Redemption options vary by retailer. Depending on the e-gift card, they can be used in-store, online, via catalog or any combination of those. Please visit the retailer’s online website for specific gift card terms and conditions.

Can I redeem my e-gift card in a store using a mobile device?

Redemption options vary by retailer. Please visit the retailer’s online website for specific gift card terms and conditions.

How can I check the e-gift card balance?

Check the terms and conditions on your e-gift card for specific information on how to check a specific e-gift card balance.

Do I have to use the balance all at once? Or can I make multiple purchases at different times?

No, you may continue to use your e-gift card until the balance is zero. With some e-gift card codes, when you re-visit the retailer website after a purchase, you may see an updated balance for the new value of the e-gift card code. This may vary by brand.

Will my e-gift card expire?

Expiration dates may vary by retailer. Please read the terms and conditions for your e-gift card for more information.

If I want to print my e-gift card, do I need to use a special printer?

Most standard office and home printers are able to print e-gift cards. Quality of printing may vary by the printer used. The most important thing is that the code number below the e-gift card is printed clearly.

Do I need to print the e-gift card in color?

No, the e-gift card does not need to be printed in color.

What happens if I lose the e-gift card I printed?

You can always access your e-gift card information by clicking “Order History” when you are signed into your rewards site and selecting the appropriate gift card in your history.

My e-gift card instructions include using a secret code. Where do I find this?

Some e-gift cards require a secret code in order to be accessed. If you were issued a code, it will be found in your e-gift card redemption instructions. You will be prompted to input your secret code when you try to open your e-gift card.

What if I lose my secret code?

You can always access your secret code by clicking the “Order History” option and selecting the appropriate gift card in your order history.

We’re here to help

Call or Text

(801) 223-8188
Mon – Fri: 8:00 am – 6:00 pm
Sat: 9:00 am – 2:00 pm

Submit a Question to our Support Team

or send us a message from inside online banking.

Stop by a Branch

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