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Visa Check Card Rewards Frequently Asked Questions


What is uChoose Rewards?

uChoose Rewards is a rewards program where you earn points for shopping and using your First National Bank of McHenry Visa Check Card. Then redeem your points for anything of your choice from a huge online rewards catalog.

How do I earn points?

First, you must enroll your Visa Check Card and create a uChoose Account. After that, you will earn 1 point for every $2 for each signature-based transaction. Plus, you can earn even more points when you shop at participating retailers. Choose to shop in-store at national or local retailers or online through your uChoose Account. When shopping in-store, select credit and sign for your purchases.

What is a signature-based transaction?

When using your Visa Check Card to make a purchase, sometimes you have the option of making a “debit” transaction or a “credit” transaction. In order for the transaction to be a “signature-based transaction” (and eligible to earn points), you must choose “credit”. Rather than entering a PIN, you will be required to sign a receipt. The end result is the same as if you choose debit, meaning the transaction will post to your checking account. However, you will not receive points for transactions processed with a PIN.

Where can I earn points?

You earn points everywhere your Visa Check Card is accepted, provided the transaction is signature-based.

When can I redeem my points?

It can take up to 40 days for your points to be credited to your account. You must accumulate 1,000 points before you can redeem your points. After that, you can redeem for any number of amazing items. Simply look for your “Total Points” at the top of any page to see how many points you have available for redemption.

Can I share points with family members?

Yes, all cards within an account automatically earn points together. In addition, if you have multiple accounts with multiple cards with First National Bank of McHenry, you can link them together to earn rewards faster. Visit the Profile page from your uChoose Account to link more accounts to your program.

What can I redeem my points for?

It’s your choice! You can choose from millions of options, whether it’s products, travel experiences, activities, event tickets, or more! Simply visit the "Redeem Points" page and click on the category that suits your interests. We keep track of all the points you earn and will help you find just what you’re looking for when you’re ready to redeem them. We even have a wish list that will help you track when you’ve earned enough to redeem a specific item.

Where can I view my point activity?

You can access the history of your point activity on the Point Details page from your uChoose Account.

What if I shopped at a participating retailer, but my points aren’t showing up?

It can take up to 30 days for transactions to appear on the Point Details page. If points from a qualified transaction do not appear after 30 days, contact us for assistance.

What happens if I've been issued a replacement Visa Check Card?

If you have been reissued a First National Bak of McHenry Visa CheckCard, you will need to register your new Check Card on the uChoose website, even though you previously registered your old card. The registration process is the same and you will not lose your reward points from your old Visa Check Card. If you also link other First National Bank of McHenry accounts to combine your reward points, then you will need to link those accounts again.

How much does it cost to participate?

There’s no cost. Membership in uChoose Rewards is absolutely free for First National Bank of McHenry cardholders, so start shopping and earning today.

Do my points ever expire?

Yes. If not used, points will expire in three years.