Cash-Back Debit Rewards For Checking.
We'd like to introduce your free, simple and convenient Meritrust debit card cash-back program, Purchase Rewards. Earn cash back in your checking account simply by activating offers and using your Meritrust debit card for shopping and purchases at your favorite retailers and restaurants.
There's no cost to participate. No mailers. No points to redeem. No codes to enter.
Get Paid to Shop
You’ll receive offers through Meritrust's online banking and your mobile app for cash-back rewards on purchases based on how you shop. It's easy as 1, 2, 3!
- Click offers within online banking or the mobile app to activate them.
- Shop with your Meritrust debit card to redeem your selected offers.
- Get Paid. Your cash-back reward will be deposited to your account the next month.
The more you use your Meritrust debit card, the more offers you'll receive and the more rewards you can earn. Keep checking your online banking or the mobile app for the latest offers.
Free. Simple. Convenient. Open a Meritrust checking account for all the features you want and need, including the new Purchase Rewards for checking.
Purchase Rewards: Frequently Asked Questions
Several frequently asked questions are presented below and should help you get up to speed using this program. Scroll through the topics below to get the information you need.
What is this rewards program?
Purchase Rewards lets you earn rewards by using Meritrust's debit card to purchase merchandise and services.
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 Meritrust's debit card, the more offers you can receive and the more rewards you can earn!
Where do I go to see offers?
You can find offers in your Meritrust online banking page and mobile app, 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.
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.
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.
How long do I have to take advantage of an offer?
Each offer has an offer period that was set by the merchant. 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.
When do I receive the rewards for the offers I redeem?
Your rewards will typically be deposited to your account the month after you redeem the offer. Since we do not share your personal information with retailers, we cannot credit your account immediately at the time of purchase. For example, any rewards you redeem in the month of September typically will be credited to your account at the end of October. If you would like to see the offers you have redeemed or the total value of the offers you have redeemed, please visit the rewards summary page.
I redeemed an offer but it isn’t showing up, what is going on?
Offer redemptions do not show up immediately. Generally, they will appear on the rewards summary page within a week after the purchase transaction appears online. If it has been longer than two weeks and your redemption has not yet appeared, please contact Support.
If I have more than one account will I see the same offers on both accounts?
Offers are matched on an account level, based on the purchases made with Meritrust's debit card for that account. If you make different purchases with different accounts, you will see different offers in those accounts. You must use the financial institution debit card connected to that account to redeem the offers for that account.
Can I use any of Meritrust's cards to earn rewards?
You have to use the financial institution’s debit card that is associated with the account that received the offer to earn rewards.
I don’t have a debit card, why am I seeing offers?
Sometimes offers are presented to accounts with few debit card transactions in order to introduce the program and show how it works. If you don’t want to see offers any longer, you can opt-out by clicking on the “Stop receiving all offers” link on the rewards summary page.
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 Meritrust's debit card, the more chances you will have to receive relevant offers!
What if I do not want to receive offers?
You can opt out by clicking on the “Stop receiving all offers” link on the rewards summary page. This link can be found in the upper right part of the rewards summary page. If you opt out of the rewards program at this time but change your mind later, please contact Support and we will resume providing offers to you.
Is my personal information shared with retailers?
No. Your personal information is not shared with retailers.
Who administers this program?
This program is administered through a third party. All personally identifiable information is secure and is not shared with the third party. Our third party partner will make best efforts to collect all of the rewards due to you and assumes all liability for the collections. The financial institution is not liable for rewards, but will work with the partner to ensure a great customer experience.
Is this program free to use?
Yes. There is no cost associated with this program, making it easy for Cardholders to earn rewards. This rewards program is just another benefit of using your debit card.
Who do I call if I have a question?
Please contact Meritrust if you have any questions.
Federally insured by NCUA. Enrollment in Online Banking or Mobile Banking required for participation. Standard carrier rates may apply. Purchase reward offers range from 8% – 15%; earnings vary by consumer.