We will be undergoing system maintenance Sunday, September 19 between 9:00 A.M. - 6:00 P.M. EST. The following systems will experience down time at some point during this time frame: Online/Mobile Banking, Audio Banking, and ATMs.
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We offer a variety of ways to redeem your points. You can choose to simply have cash back, erase a purchase on your Visa or other eligible transactions on savings or checking accounts and make loan payments.
Not long at all! You will instantly see the deposit into the share or loan you choose. If you are not seeing the deposit or payment being made, please contact our Call Center at 989-249-8200 or 800-227-2328.
When you erase a transaction on your credit card loan, it will be posted as a credit to your loan and not a payment. Credits to your loan will not advance the due date, but a full payment using Cash Back redemption will advance the due date.
Points are earned based on the authorization date, not posting date of a transaction.
For example, if you make a purchase on a Monday and a promo starts that Wednesday and your transaction is posted on Wednesday, it will not count towards the promo. This is because the date you made the transaction, or the authorization date, was on Monday.
There are various reasons why restrictions get placed on accounts. If there is a restriction on your account please contact the Call Center at 989-249-8200 or 800-227-2328 to answer any questions you have.
Your Reward account may not be the account that is collecting points. All joint owners on the credit card loan have the option to collect the points. View your sources and if you see a "Collect to Me" button with another person's name listed, your points are being collected to that person's Reward account.
To begin collecting points back to your Rewards account, simply click the "Collect to Me" button.
When you redeem points for cash back to pay on your loan, this will apply to your loan as a payment. Just like any other payment, if there is interest owing, the system will satisfy the interest owing and any fees before applying any amount to principal.