Our Members’ Choice program, which included Value Added Benefits, ended on August 31, 2013. As part of our new rewards program, all members continue to enjoy standard benefits, like free Internet Banking, Bill Pay, eStatements, Financial Services consultations, insurance checkups, and more. But those members who have an HVFCU free checking account and Visa® Debit Card with rewards points truly maximize their membership benefits.
Maximize Your Benefits with an HVFCU Checking Account & Visa Debit Card 1
Members who have an HVFCU checking account and Visa Debit Card receive:
|15 free Non-HVFCU ATM transactions a month 2||2 free boxes of HVFCU custom checks annually||Free replacement Visa Debit Cards and Visa Credit Cards|
|25 free check copies annually||25 free statement copies annually||Free official checks|
|Free money orders||Free check protests / collections||Free guaranteed checks|
Don’t Have a Checking Account? Open One Today
In addition to all the benefits already mentioned above, our checking account offers:
|Daily dividends||No minimum balance||No monthly service charge|
|No per-check fees||Free Internet & Mobile Banking||Free Bill Pay|
|Free eStatements||Free Visa Alerts||Direct deposit|
|Your choice of Visa Debit Card PIN||Access to more than 77,000 surcharge-free ATMs nationwide||Overdraft protection from a savings account, Readi-Cash Line of Credit, or HELOC|
Earn Additional Benefits with HVFCU Rewards!
HVFCU Rewards! has replaced our ScoreCard point program and gives you even more ways to spend the points you earn on your Visa Debit Card and Visa Platinum Rewards credit card purchases. With the change to HVFCU Rewards! you will still be able to redeem your points for merchandise and travel rewards, but you’ll now also be able to use your points for gift cards, cash back credits, green products, and even charitable donations.
- Visa Debit Cards – You’ll earn one point for every $2 spent on signature-based / credit transactions (transactions when you do not enter your PIN).
- Visa Platinum Rewards Credit Cards – You’ll earn one point for every $1 spent on signature-based / credit transactions
Remember that some merchants do not have you sign for purchases under $50 or $25, for example. In these instances you still earn points even if you don’t physically sign. As long as you don’t enter a PIN, you earn points.
Point Balances & Point Expiration
Any points you have earned in our ScoreCard program carried over to our new HVFCU Rewards! program. Any points earned in the ScoreCard program through 8/31/13 keep their original expiration date, up to six years. Any points earned in the HVFCU Rewards! program expire after three years.
Visit our HVFCU Rewards! website to set up your account and browse the redemption options available for using your points. You’ll also be able to see your points earned and expired in a given month, and you’ll even be able to see how many points are set to expire in the upcoming 120 days.
For even greater purchase power, don’t forget you can combine points earned on your Visa Debit Card and Visa Platinum Rewards credit card.
Bonus Points & Additional Discounts
HVFCU Rewards! also offers you three additional opportunities to grow your point balance:
- Earn 5x points at our Perks Points Mall – Shop our online network of over 800 top national and regional merchants and earn 5x points on all purchases made online through the Perks Points Mall.
- Earn 3x points at our More Points superstore – Browse through thousands of brand name merchandise items and choose from top gift card retailers. For every $1 you spend in More Points, you will earn an additional three points.
- Enjoy extra savings with our Daily Deals – Shop our Daily Deals for deals on apparel, health and beauty, entertainment, travel, toys and games, and much more.
The Perks Points Mall, More Points superstore, and Daily Deals are all available when you go to our HVFCU Rewards website. For additional information about HVFCU Rewards!, please refer to our terms and conditions.
1 Members with an account other than checking, or those with a checking account but no Visa Debit Card, will receive 25 check copies annually, 25 statement copies annually, one box of HVFCU custom checks annually, and 8 ATM transactions at non-HVFCU ATMs monthly. Business and club/organization accounts do not qualify for these benefits.
2 ATM owner may assess a surcharge.