Turn Everyday Purchases Into Cash-Back Rewards!

When you use ABEFCU’s free online banking service, you will now receive exclusive cash-back offers from the brands you love. Introducing Purchase Rewards—now available inside online banking! Here’s how it works:

1. Click to activate exclusive cash-back offers from the places you like to shop.
2. Shop online or in stores as indicated in the offer and pay with your ABEFCU Debit MasterCard.
3. Enjoy cash-back—deposited right into your account within 60 days (transaction listed as Monthly Rewards)!

Purchase Rewards are individually chosen offers based on your spending habits. Each offer will be available for a limited time only, and new offers will be added often—so be sure to log in frequently to view the offers available to you! Please note that Purchase Rewards is a new debit rewards program offered exclusively to ABEFCU members with a Debit Card who use our free online banking service. It is offered in addition to ABEFCU’s ScoreCard rewards program. Qualifying purchases can fulfill Purchase Rewards offer requirements and also earn ScoreCard points! If you don’t currently have a Checking account or the ABEFCU Debit MasterCard  please contact any Branch. This program is one more way that it pays to be a member of ABEFCU! For more details you can view the FAQ for Purchase Rewards below: ABEFCU Purchase Rewards Frequently Asked Questions:

1. What is this Purchase Rewards program? This rewards program lets you earn rewards by using your ABEFCU Debit Card to purchase merchandise and services. The program is available to all debit card users. Through this program, you’ll receive targeted offers to receive rewards on purchases based on how you shop. As a Cardholder, there is no limit to the rewards you can earn. So, the more you use your debit card, the more offers you can receive and the more rewards you can earn!
2. How do I earn rewards? This rewards program is based on how you currently shop, so the offers you receive are relevant to you. The more you use your debit card, the more chances you have to receive offers. Using technology centralized within ABEFCU, your transactions are matched with current merchant offers. To earn rewards, click on an offer to see the details; this automatically loads the offer onto your debit card. Then shop at the specified retailer and pay using your debit card to earn the reward.
3. Do I need to use a coupon or code to earn rewards? Typically, you do not need a coupon or code to redeem an offer. Each offer has different specifications regarding when and where you shop and how much you need to spend. Offers that require an online purchase are clearly specified and may include a redemption code. Please read offer details to determine how to redeem each offer.
4. Can I use another coupon or discount from this retailer with my offers? Yes, if the amount paid with your debit card meets the requirements of the offer after the coupon or discount is applied.
5. Can I use any of my debit cards to earn rewards? You have to use your debit card that is associated with the account that received the offer to earn rewards.
6. I see offers, but I don’t have a debit card. How do I take advantage of these offers? Please ask us about getting a debit card associated with that account so you can start taking advantage of your offers! Please call or stop by any ABEFCU branch.
7. Is my personal information shared with retailers? No. Your personal information is not shared with retailers.
8. What if I do not want to receive offers? You can opt-out by contacting ABEFCU at 800 598 0128 Option 2. If you opt-out of the rewards program at this time but change your mind later, please contact the same number and we will resume providing offers to you.
9. Where do I go to see offers? You can find offers on the new home page beneath transactions in the transaction history or in the “rewards” section in the upper right part of the page. Offers can also be found on the account history page or the rewards summary page. New offers will be labeled as “New Offers” until you click to activate them. Once clicked, the reward is “loaded onto” the associated debit card. All offers can be viewed by visiting the rewards summary page.
10. How long do I have to take advantage of an offer? Each offer has an offer period that was set by the retailer. You must redeem offers before the expiration date. The expiration date can be found in the offer details section of the offer by clicking on the offer.
11. Why don’t I have any offers? Offers are based on how you currently shop to ensure the offers you receive are relevant. If you seldom use your debit card, you may not receive any offers until you begin using your card more. The more you use your Debit Card, the more chances you will have to receive relevant offers!
12. Where can I find my expired or redeemed (used) offers? Expired offers can be accessed through a link at the bottom of the rewards summary page. The expired offers page shows your expired offers in the last 90 days and excludes any offers that you have redeemed.
13. How do I redeem offers? Each offer is based on how you currently shop, so the offers that you receive are relevant! To redeem the offer, simply click on it to see the details; this automatically loads the offer onto your debit card. Then shop at the specified retailer and pay using your debit card to earn the reward. Each offer has different details regarding when and where to shop and how much you need to spend. Offers that require an online purchase are clearly specified and may include a redemption code. Please read the details to determine how to redeem each offer and start earning rewards.
14. How can I view all of my offers and/or how can I tell what offers I am supposed to be credited for? To view all offers that you have redeemed, go to the rewards summary page. The rewards summary page contains all offers you have received, those you have redeemed and the specifics for each offer including the offer expiration dates.
15. How long do I have to take advantage of an offer? Each offer has an offer period that was set by the retailer. You must redeem offers before the expiration date. The expiration date can be found in the offer details section of the offer by clicking on the offer.
16. Do I have to pay any taxes on the rewards I earn? No, you do not have to pay any taxes on your rewards. These rewards are similar to other coupons, except they are redeemed more easily by using your debit card.
17. I haven’t been receiving any offers. Offers are based on how you currently shop, so that the offers you receive are relevant. If don’t frequently use your debit card, you may not be receiving any offers. The more you use your Debit Card, the more chances you will have to receive relevant offers!
18. I did not receive my rewards when I made my purchase. Rewards are not received at the point of purchase because no personally identifiable information is passed to the retailers. On average, you will receive rewards for redeemed offers approximately two months after the month the redemptions were made. For example, redemptions made in September will typically be credited to your account approximately at the beginning of November. Check the rewards summary page on the website to ensure the purchase qualifies as redemption of the offer.
19. I did not receive the correct amount of rewards.  Each offer has different specifics regarding when and where to shop and how much you need to spend. Check the rewards summary page on the website to ensure the purchase qualifies as redemption of the offer.