You’re probably swiping your debit card every day, but are you getting rewarded for it?

If you bank with Ergo Bank, chances are your debit card is eligible for uChoose Rewards®, a flexible and easy-to-use points program that turns your everyday purchases into real, tangible rewards.

Whether you’re buying groceries, gassing up the car, or shopping online, your spending could be earning you perks like gift cards, travel deals, and more. Let’s break down how it works, how to get started, and how to make the most of your rewards.

What Is uChoose Rewards?

uChoose Rewards is a debit card rewards program that lets you earn points on qualifying purchases, no credit card required.

It’s powered by Fiserv but tied directly to your Ergo Bank debit card, making it a convenient way to get rewarded for your regular spending without taking on debt.

If you already have a checking account and debit card with Ergo Bank, you may already be enrolled (or just a few steps away from activating your rewards).

How to Sign Up for uChoose Rewards

Getting started is simple and free. Here’s how:

  1. Visit uchooserewards.com
  2. Register your Ergo Bank debit card
  3. Create a username and password
  4. Log in to start tracking points and browsing the rewards catalog

If you’re not sure whether your card is eligible, stop by your local Ergo Bank branch or give us a call — we’re happy to help.

Contact Us Online for Help

How Do You Earn Points?

You earn uChoose Rewards points by using your Ergo Bank debit card for qualifying purchases. And the best part? You don’t have to change your shopping habits, you just have to swipe.

Eligible Transactions That Earn Points:

  • Everyday purchases (grocery, gas, pharmacy, dining out)
  • Online shopping at major retailers
  • Seasonal promotions and featured merchants
  • Mobile wallet transactions (Apple Pay®, Google Pay®, Samsung Pay®, etc.)

Note: You earn more points when you sign for your purchase (select “credit” at checkout), even though the money still comes from your checking account.

What Can You Redeem Points For?

Once you’ve accumulated enough points, you can redeem them for:
  • Gift Cards – Amazon, Walmart, Target, Starbucks, and more
  • Merchandise – Electronics, home goods, fitness gear, toys, etc.
  • Travel – Flights, hotel stays, vacation packages
  • Experiences – Dining, entertainment, concerts
  • Auctions and Sweepstakes – Use points to bid or enter to win big prizes

You can browse all available rewards when you log into your uChoose Rewards account.

How to Track and Use Your Points

Staying on top of your rewards is easy:

  1. Log in at uchooserewards.com anytime to view your point balance
  2. Explore the catalog to find rewards you like
  3. Redeem your points directly from the platform

Keep in mind that points do expire if they go unused, so don’t wait too long to redeem them.

Real Benefits, Real People

One of the best parts of uChoose Rewards? You’re getting perks from your regular debit card purchases, without any fees or confusing restrictions. It’s a win-win, especially for:

  • Families balancing grocery bills and gas costs
  • College students making their first independent purchases
  • Budget-conscious shoppers who don’t want a credit card
  • Anyone who wants to get more out of their banking

And as always, if you need help understanding your rewards, redeeming points, or setting up your account, our team at Ergo Bank is here to help. No bots, no 800 numbers — just real people who care.

Tie In Your Rewards with Kasasa® Benefits

Did you know your uChoose Rewards can work even better when paired with a Kasasa® checking or savings account? These accounts offer cashback, high interest, and ATM fee refunds, all while you’re earning points on your purchases.

You can learn more about choosing the right Kasasa account here or ask one of our team members to help you compare options.

Ask for Help Today

Frequently Asked Questions

Is there a fee to use uChoose Rewards?

Nope! It’s free for eligible Ergo Bank debit card users.

Can I use my points for cash back?

Points can be redeemed for gift cards and merchandise, but check the uChoose portal for cashback or prepaid card offers that may be available.

Do I need a credit card?

No — uChoose Rewards works with your debit card, not a credit card.

What if I forget my login?

Visit uchooserewards.com and use the “Forgot Password” link or call Ergo Bank and we’ll walk you through it.

Don’t Let Your Points Go to Waste

If you’re already swiping your debit card for everyday purchases, you might as well get rewarded for it. uChoose Rewards is a simple, free way to make your money go further, and at Ergo Bank, we’re here to make sure you know how to take advantage of every benefit available to you.

Ready to Start Earning Rewards?

Log in today at uchooserewards.com or visit your nearest Ergo Bank branch — we’ll help you get started!