Automatically get rewarded for every dollar you spend using the debit card connected to your personal checking account.
UCCU Smart Rewards
Get more from your debit card.
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.
Available M–F 8am–6pm, and Sat. 9am–2pm,
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
An account will be created on your behalf. To claim your account, simply click “Start Here.” Enter the required information and click “Search.”
Yes, you must have an email address to create an account.
No, your account never expires.
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.
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.
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.
When you sign in, your current point balance will be displayed at the top of the screen.
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.
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.
Yes. Simply enter a different address in the shipping information and your reward can be sent to someone else.
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.
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
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.
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.”
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.
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
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.
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.
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.
Redemption options vary by retailer. Please visit the retailer’s online website for specific gift card terms and conditions.
Check the terms and conditions on your e-gift card for specific information on how to check a specific e-gift card balance.
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.
Expiration dates may vary by retailer. Please read the terms and conditions for your e-gift card for more information.
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.
No, the e-gift card does not need to be printed in color.
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.
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.
You can always access your secret code by clicking the “Order History” option and selecting the appropriate gift card in your order history.