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What are UChoose Loyalty Rewards?

UChoose Loyalty Rewards is a rewards program where you earn points for your loyalty to MutualBank. Learn about the three different ways you can earn UChoose Loyalty Rewards. Redeem your points for anything of your choice from a huge online rewards catalog.

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How do I earn points?

Earn points in three different ways:

1. Debit Card Purchases:
You'll earn the following for your everyday debit card purchases:
  • Earn 1 point for every $2 when you complete a signature-based transaction.
  • Earn 1 point for every $5 when you make a pin-based transaction. 
  • Earn additional points with each purchase when you shop at select retailers. See a complete list of participating retailers at UChooseRewards.com.
2. Balances
  • Earn 1 point for every $1,000** of deposit, loan, investment or wealth management balances.

3. New Accounts

Points accumulate monthly.

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Where can I earn points?

You earn points everywhere your Visa® debit card is accepted. Plus, you earn points with your MutualBank, MutualFinanacial Investment Services and MutualWealth Management accounts. You can earn additional points with each purchase when you shop at select retailers. See a complete list of participating retailers at UChooseRewards.com.

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How much does it cost to participate?

There's no cost. Membership in UChoose Loyalty Rewards is absolutely free for MutualBank debit cardholders, so register and start earning points today!

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Where can I view my point activity?

You can access the history of your point activity through UChooseRewards.com.

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Where can I redeem points?

It can take up to 45 days for your points to be credited to your account. You must accumulate 1000 points before you can redeem your points. Points are tracked on UChooseRewards.com. We keep track of all points earned and will help you find just what you're looking for when you're ready to redeem. We even have a Wish List Tracker that will let you know when you've earned enough to redeem a specific item. Simply look for your "Total Points" at the top of any page to see how many points you have available for redemption.

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How do I see how many points a gift card costs?
First, select the kind or company gift card you want to redeem. Then, select the denomination of the gift card you want. Finally, select the type of card you'd like to receive. The options will be 'plastic', 'email' or both. Once you go through those first three steps, the point value will be revealed. You can then determine to continue with purchasing the gift card or begin a new search. Back to top

What can I redeem my points for?

It's your choice!  You can choose from millions of options, whether you choose products, travel experiences, activities, event tickets, or more!  Simply go to UChooseRewards.com and 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.  We even have a Wish List that will help you track when you've earned enough to redeem a specific item.

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Can I share points with family members or other accounts?

Yes, all cards linked to the same account number automatically earn points together.  In addition, if you have multiple personal debit accounts with MutualBank you can link them together to earn rewards faster.  Go to UChooseRewards.com and visit the Preferences page to link more accounts to your program. 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.  We even have a Wish List that will help you track when you've earned enough to redeem a specific item.

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Can I link a credit card or debit card to an existing UChoose account?

Yes! 
Log in to UChooseRewards.com. Then click on "Preferences" on the left. 
Scroll to the bottom and under Link Another Account To Your Program, click "Learn How".
Enter your credit card or debit card number and click "Submit". 
You will be asked to enter the name as it is on the card, the last four digits of your Social Security Number and your Zip Code, then click "Submit".
You will receive a confirmation or denial when the page refreshes. 

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When I redeem for a product, can I ship my redemption to an address other than the one MutualBank has on file for me?
No, for security reasons you can only ship your redemption to the address that MutualBank has on file for you.   If you need to update or change your address, please contact MutualBank for assistance. 
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Can the points be redeemed at the point of purchase or can they only be redeemed online?
You can only redeem points online through UChooseRewards.com. Back to top

How will I receive the electronic gift certificate if I choose it instead of a plastic gift card?
The electronic gift certificate will arrive to the email address associated with the UChoose account. When you are logged into UChooseRewards.com, you may view your profile and determine if that is the correct email address. If it is not correct, please contact us via Online Banking, in person at one of our convenient locations or by calling 800-382-8031.  Back to top

If I am close to having enough points to redeem, can I purchase the points I need?
Yes, you can purchase the excess points if you do not have enough UChoose points. Once you select the item you are purchasing, you will have an option to purchase the excess points. This will occur through the checkout process on UChooseRewards.com. Back to top

What will happen to my points if my card is lost or stolen?
If your card is lost or stolen and a replacement is issued, points will automatically be transferred to the new card. Once you receive your new card, you will need to re-register on UChooseRewards.com with your new card. Back to top

If someone manages to get access to my UChoose Rewards user name and password, can they redeem my points?
Yes, they can redeem your points if the login information is compromised and used improperly, but whatever is redeemed can only be sent to the address on file with MutualBank. Back to top

If I have a discount card with a retailer, will I still be able to receive my discount and UChoose Loyalty Reward points?
Yes, if you have a discount card with a retailer, you will be able to receive the discount as well as the UChoose Loyalty Reward points. Back to top

What if I have another question?

If you have other questions not answered here, you can contact us at 800-382-8031 or customersupport@bankwithmutual.com.

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Mutual Blog

Personal Social Media Account Security

For many of us, social media has become a part of our everyday lives and helps us conveniently keep tabs on the people and topics we care most about.

Recently however, there has been an increase of social media account take overs by cybercriminals. As stated in the media, one contributing factor in some of the social media account takeovers has been the use of weak passwords.


Tips for creating a stronger password:


  • Passwords should typically:
    • be at least 8 characters in length
    • contain at least 1 number
    • contain at least 1 special character (!@#$$%)
    • contain both upper and lower case characters.
  • Do not use your name, date of birth, maiden name, mother’s maiden name, address, or other easily guessable words for passwords. 
  • Another way to create a strong password is to use a series of words that do not relate to each other. For example, JumpingFastRelaxStop!#.

 


Social media additional security options:


Another way to help avoid social media account takeover is to use the additional security options available. Two-factor authentication adds an extra layer of security that drastically decreases your chances of account takeover. Two-factor authentication is essentially the using of two separate components to verify your identity, the combination of something you HAVE with something you KNOW. A good example of two-factor authentication you most likely are already used to is withdrawing cash from an ATM, for example. Having both your debit card AND knowing a pin number is required to complete the withdrawal and protect your identity.

A popular and convenient two-factor authentication method is using a combination of both an online password and a text message verification sent to your phone. Enabling this type of authentication typically follows this process:

  1. Enter your password into Facebook or another website
  2. Immediately receive a text on your phone with a temporary pass key
  3. Enter the passkey received back on the site/app and you’re logged in

This may seem like overkill, but enabling this two-factor authentication will drastically decrease the chances of your social accounts being hacked. And actually, the process of setting up and using this authentication is pretty simple and convenient.

 


How to enable two-factor authentication:


Many popular social networks like Facebook, Twitter, LinkedIN, and others already support two-factor authentication. To learn more about how to do so on the most popular sites on the web, be sure to check out this article:

http://socialcustomer.com/2014/04/how-to-enable-two-factor-authentication-on-50-top-websites-including-facebook-twitter-and-others.html

Wednesday, April 22, 2015

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