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Purchase Rewards (Frequently Asked Questions)



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With Purchase Rewards from Mechanics Bank, you can now save money on the things you already buy! There is nothing to print or any special codes to remember.

It’s easy to use and best of all there is no cost to do so. It takes just a few seconds to activate the offers presented you from within Online Banking.

To learn more about Purchase Rewards, please review the Frequently Asked Questions below or contact our Online Services team at 877.265.6324.



What is Purchase Rewards?

The Purchase Rewards program lets you earn rewards by using your Mechanics Bank Debit MasterCard® 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 Mechanics Bank Debit MasterCard® cardholder, there is no limit to the rewards you can earn. So, the more you use your Mechanics Bank Debit MasterCard®, the more offers you can receive and the more rewards you can earn!

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Where do I go to see offers?

You can find your Purchase Rewards offers on the top right section of the Online Banking home page. Offers can also be found on the far right section of the individual account summary page. All offers can be viewed by visiting the rewards summary page, which you can get to by clicking on an offer within the Purchase Rewards section of the Account Summary pages within Online Banking. New offers will be labeled as "New "until you click to activate them. Once clicked, the reward is "loaded" on to your Mechanics Bank Debit MasterCard®.

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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 Mechanics Bank Debit MasterCard®. Then shop at the specified retailer and pay using your Mechanics Bank Debit MasterCard® 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.

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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.

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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.

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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 Purchase Rewards summary page.

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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 Online Services at 877.265.6324.

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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 your Mechanics Bank Debit MasterCard® for that account. If you make different purchases with different accounts, you will see different offers in those accounts. You must use your Mechanics Bank Debit MasterCard® connected to that account to redeem the offers for that account.

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Can I use any of my Mechanics Bank debit or credit cards to earn rewards?

You have to use your Mechanics Bank Debit MasterCard® that is associated with the account that received the offer to earn rewards.

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I do not have a Mechanics Bank Debit MasterCard®. Why am I still seeing offers through Purchase Rewards?

Sometimes offers are presented to accounts with few or no 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.

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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 Mechanics Bank Debit MasterCard®, you may not receive any offers until you begin using your card more. The more you use your Mechanics Bank Debit MasterCard®, the more chances you will have to receive relevant offers!

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What if I do not want to receive offers?

You can opt out by clicking on the "Stop receiving all offers" link on the Purchase Rewards summary page. This link can be found in the upper right part of the page. If you opt out of the Purchase Rewards program at this time but change your mind later, you can reactivate your participation by simply clicking on “Start receiving offers again” on your Account Summary page.

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Is my personal information shared with retailers?

No. Your personal information is not shared with retailers at any time.

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Who administers the Purchase Rewards program?

This program is administered through a partnership between Cardlytics and Digital Insight, the Bank’s Online Banking solution provider. All personally identifiable information is secure within the Bank’s Online banking system and is not shared with the third party administrator. Cardlytics will make its best effort to collect all of the rewards due to you and assumes all liability for the collections. While Mechanics Bank is not liable for rewards offered through this program, we continue to work very closely with Digital Insight and Cardlytics to ensure that your data is secure, the program provides value for you and that the Purchase Rewards Program provides a positive client experience.

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Is There a Fee to Use Purchase Rewards?

No. There is no cost associated with this program, making it easy for Mechanics Bank Debit MasterCard® cardholders to earn rewards. This rewards program is yet another benefit available through the use of your Mechanics Bank Debit MasterCard®.

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Who do I call if I have a question about Purchase Rewards?

If you have additional questions about the Purchase Rewards Program, please contact our Mechanics Bank Online Services team at 877.265.6324.

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Additional Resources

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