MIDFLORIDA, Your Community Credit Union.

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Information for You

Double Debit Card Rewards Q&A

MIDFLORIDA is now offering Double Debit Card Rewards—an exciting enhancement to our Rewards for You program.

Each quarter we’ll offer a different way for you to earn double the rewards points than you normally would, when you use your MIDFLORIDA debit card and choose credit. Here’s what you need to know.

Double Debit Card Rewards are earned only on the designated spending categories for each quarter when you use your MIDFLORIDA debit card as a credit-based (not PIN-based) transaction.

Enrolling
Accounts
Accruing Points and Earning Rewards
Debit Cards
General Information

Enrolling

How do I enroll my checking account(s) in Double Debit Card Rewards?

  1. Log into Online Banking and click on the checking account for your debit card.
  2. Click on the Debit Card Rewards button.
    If you aren’t enrolled in a Debit Card Rewards program, you must first choose to enroll in Rewards For You. Within Online Banking, click on the Debit Card Rewards button and select Rewards For You.
  3. Follow the link to Sign Up and then click the Sign My Cards Up! button.

How long will my enrollment in Double Debit Card Rewards last?

Your Double Debit Card Rewards program enrollment will continue through the current quarter. You can enroll on or after the first of each quarter (January 1, April 1, July 1, and October 1), and you must sign your account(s) up each quarter to participate.

Note: You do not need to re-enroll in Rewards for You each quarter, only Double Debit Card Rewards.

Is there a deadline to enroll each quarter?

You may enroll at any time within the quarter, and you will begin earning Double Debit Card Rewards on the date you enroll. Your enrollment will end on the last day of the current quarter, so the earlier you sign up, the longer you have to earn points!

What if my debit card is lost, stolen, or compromised? Will I need to enroll again with my new debit card number?

Because this program is tied to your checking account, once you’ve enrolled for the current quarter, any debit card tied to the account will earn rewards; even if an old one is removed and a new one is added.

How can I confirm that my cards are enrolled in Double Debit Card Rewards?

You can check your status within Online Banking or Mobile Banking by going to the Debit Card Rewards redemption page.

Is Online Banking required to enroll?

Yes. You must have Online Banking in order to enroll in Rewards for You and Double Debit Card Rewards. Online Banking is the only way you can redeem your points for cash back.

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Accounts

I have more than one checking account. Do I have to sign each checking account up separately?

No. When you go through the sign up process, all debit cards on all checking accounts which have you designated as the primary or joint owner will be enrolled.

Note: Any debit card currently enrolled in Extra Credit for Schools will not be automatically moved over to Rewards for You/Double Debit Card Rewards. If you wish to change that designation, you must change your rewards program to Rewards for You within Online Banking. The Extra Credit for Schools program does not qualify for Double Debit Card Rewards.

Can I participate in Double Debit Card Rewards regardless of the type of checking account I have?

All checking accounts, except Freedom Banking, have the option to sign up for Rewards For You. To earn Double Debit Card Rewards, you must first enroll your accounts/cards for Rewards for You, and then sign up for Double Debit Card Rewards.

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Accruing Points and Earning Rewards

How many points can I earn each quarter?

As many as you want! There is no limit.

Is there a minimum required transaction amount?

Yes. Individual transactions totaling $30 or more will qualify for double rewards points. Transactions totaling at least $10 but less than $30 will earn rewards at the normal rate. Transactions under $10 will not earn rewards.

How does MIDFLORIDA determine if my purchase will earn Double Debit Card Rewards?

To earn Double Debit Card Rewards, you must use your MIDFLORIDA debit card as a credit transaction (not PIN-based) when making a qualifying purchase of $30 or more. Merchants that accept VISA for payment are assigned a merchant code, which is how we will determine whether your transaction fits the category of the current quarter’s program.

Note: Occasionally, a merchant will offer services that may seem to fit within a category, but their primary business line isn’t set up with the applicable merchant code. When that happens, you will still earn your usual Rewards for You points for that transaction, but not Double Debit Card Rewards.

When are Double Debit Card Rewards points earned?

Your rewards begin to accrue with qualifying transactions from the date that you enroll. Rewards are earned based on the date that the transaction posts to your account, which isn’t necessarily the date that the transaction was made, and are awarded each night.

How can I see if my transaction earned Double Debit Card Rewards?

Points accumulate throughout the day and post as one amount at the end of the day. Points do not display for each individual transaction.

If I return a purchased item that was a qualifying transaction, will I lose the double reward points I earned?

Yes. If a qualifying transaction is removed for a return or refund, then the points awarded to you for the Double Debit Card Rewards program will also be removed from your point total.

Can I combine my points across multiple accounts?

Points are accumulated within each checking account, and any debit cards tied to that account will combine for one reward total. However, if a member has multiple checking accounts, the point totals cannot be combined across accounts.

For example, a couple with a joint checking account who each have a debit card will both accumulate points toward their joint checking account. If their teenager has an RT4T checking account and debit card, the teen will accumulate points only for his or her account. The family will not be able to combine their total points together.

How many points do I need to earn before I qualify for a reward?

Once you have reached at least 200 points, you will qualify for a $5 cash reward. Or, you can continue to let your points accrue for a larger cash payout.

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Debit Cards

Which debit cards qualify for Double Debit Card Rewards?

Once enrolled in both Rewards for You and Double Debit Card Rewards, any MIDFLORIDA debit card can participate in these programs.

Does the Double Debit Card Rewards program work for my MIDFLORIDA credit card too?

The Double Debit Card Rewards program is available only for MIDFLORIDA’s debit cards. Check out our Visa Signature card for our credit card rewards program.

How can I get a MIDFLORIDA debit card?

You may get a debit card issued instantly at any branch.* If you can’t visit a branch, call our Help Desk at (863) 688-3733 or toll-free (866) 913-3733.

*Not applicable at the James A. Haley V.A. Hospital branch.

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General Information

Does it cost anything to participate?

Not at all. Both Rewards for You and Double Debit Card Rewards are free to our members.

Can I apply past purchases from the same month/quarter to Double Debit Card Rewards?

You must be enrolled in Double Debit Card Rewards prior to a transaction in order to earn double rewards.

Do PIN-based transactions earn double rewards?

Double Debit Card Rewards are earned only on the designated spending categories for each quarter when you use your MIDFLORIDA debit card as a credit-based (signature) transaction. PIN-based transactions don’t qualify.

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