Business Banking Services

Rewards are a part of every First United VISA® Check Card!

Our My Bank Rewards powered by ScoreCard program gives you the flexibility to earn Points and use them for the things you want most; whether that be merchandise, cash back, travel or even local merchant gift certificates! Check out our Rewards page for more information.

Login or Call Rewards Headquarters at 1-800-854-0790









Frequently Asked Questions



I had Points on the "old" Rewards system, when did they transfer?

Points from the old version of My Bank Rewards transferred to your account in the new My Bank Rewards powered by ScoreCard by the end of October 2016.


Did I earn points right now during this update/transition?

Yes! You continued to earn points during the transition to the new, enhanced My Bank Rewards powered by ScoreCard.


What is My Bank Rewards?

My Bank Rewards is a Rewards program offering Points for qualifying purchases. Points can be redeemed for a variety of items, such as merchandise, airfare, hotels, travel packages, cash back, local merchant gift certificates and more.


How do I access My Bank Rewards?

Access your point balances by logging into Personal Internet Banking and clicking on your Rewards Point balance, by clicking Login above or by visiting

On your first visit to the site, you will need to set up your profile with a username and password. You will also be asked to set up some security questios and answers for password retrieval. Once you create your profile you will log in with your username and password.


Rewards User Login Account Lockout Period

As a security measure, My Bank Rewards user login accounts will become locked after two (2) consecutive months without logging in to the system. This security feature ONLY impacts users who specifically use a username and password combination to login to the Rewards system at Users who access their My Bank Rewards directly through any First United Internet Banking service will not be impacted by this security measure. Locked users may be able to regain access to your account again using the Forgot Username/Password option; or by calling Rewards Headquarters at 1-800-854-0790 to reconnect / reset your account.

Will my old My Bank Rewards username work on the new site?

No. You will need to setup a new username and password in the new system as noted above.


How many Points do I have?

Point balances are always available on the website, within Personal Internet Banking or you may call Rewards Headquarters at 1-800-854-0790 to verify your balance.


How can I earn Points?

Simply use your My Bank Rewards participating card (“Rewards card”) for your purchases. You will earn Points based on your qualifying net purchases (purchases minus returns and/or other related credits). You will earn Points as long as your account is in good standing (that is, not delinquent, in default, closed, canceled, blocked, suspended or otherwise inactive and not available for use as a source of funding). You do not earn Points for cash advances, balance transfers, unauthorized or fraudulent charges or for fees of any kind on your card account. Credits to your Rewards balance (such as for returns of purchases) will reduce the Points available in your Rewards balance.

Each time you swipe your First United business or personal debit card, you will earn Points as follows:

  • 1 point for every $4 in signature purchases
  • 1 point for every $20 in PIN purchases

Additional Points may be earned through special incentives, bonuses and periodic promotions.


How can I combine my debit cards together?

With the 16 digit card number for another debit card within your household, you will be able to combine those cards together to earn into a single amount using the Household option in your Account settings. Select Household under the Account menu and then choose Add Account to begin!


What types of Rewards are available?

Available Rewards include merchandise, local merchant gift certificates, gift cards, cash back and travel Rewards.


If I don't have enough Points for the reward I want, can I buy the extra Points I need?

No. A sufficient number of Points must be available in your account to redeem the reward you want. Points are not available for purchase. However, with travel redemptions, using the Rewards website, you may use cash to supplement your travel reward purchase.


When can I order Rewards?

You may order Rewards anytime as long as your account is in good standing (that is, not delinquent, in default, closed, canceled, blocked, suspended or otherwise inactive and not available for use as a source of funding) and you have enough Points to redeem the requested reward.


How do I order Rewards?

For merchandise Rewards you can order merchandise Rewards using the online shopping feature at the Rewards website. Cash back requests must be done using the Rewards website.

You can also call Rewards Headquarters at 1-800-854-0790. You may also print an order form from the website; simply complete the form, including all information requested, and mail to the address printed on the form.

Travel Rewards, airline tickets, vacation packages, and cruises may be ordered by calling and speaking with a Travel Services Representative at 1-800-842-3006. You may also use the online travel booking site to obtain select air Rewards. In addition, you may purchase additional airline tickets and make car and hotel reservations online. If you prefer, Travel Services Representatives can assist with booking both purchased as well as redeemed Rewards travel items.


When do my Points expire?

Points earned from any debit card will expire after three (3) years. Points are expired from the system in the month of August after the three (3) year timeframe has elapsed.


Will I receive a points balance statement?

Cardholders with an email address on file will receive an email monthly eStatement. The eStatement will show the cardholder their point balances and various items/promotions available on the rewards website.


Who can redeem Points?

Any card holder in your "household" can redeem the Points available to the household.

For example, if Bob and Mary each have a debit card and they have "householded" (linked) their cards together; each, when logged in, will see their individual Points earned, as well as the total for their "household". When redeeming, both Bob and Mary will each have the ability to spend the Points earned within their "household".


How are points deducted from my Rewards account(s)?

Points that are redeemed are taken from all available cards within a Rewards account, using the oldest points first, regardless of which card was used to earn those points.

  • Household Rewards Account Balance: 4,000 Reward Points
  • Card 1: Earned 2,000 Points
  • Card 2: Earned 2,000 Points

500 points redeemed by Rewards member

In the example above, within the household, one Rewards account has two debit cards attached to it and have earned a total of 4,000 points. Each of the cards have earned 2,000 points. A single purchase is made for 500 reward points by one of the account card holders. Card 1, which earned 400 points which were OLDER than any of the points on Card 2, will have those 400 points redeemed; while Card 2, which has 100 of the next oldest points will have those redeemed also. This will equal the total 500 points being ‘spent’ / ‘redeemed’ from the household Rewards account, leaving the Reward account with 3,500 points.

  • Household Rewards Account Balance: 3,500 Reward Points New Balance
  • Card 1: Earned 1,600 Points
  • Card 2: Earned 1,900 Points

This method of point redemption ensures that your oldest points across all your accounts are used first, to help you avoid points expiring.


Who should I call if I have questions?

Call Rewards Headquarters at 1-800-854-0790.














Security Notice – Browser Updates May Be Required To Use Online Banking Solutions

As an ongoing security and protection for your finances, First United deploys and keeps up-to-date many layers of security and encryption protocols to protect your confidential information. Many modern internet browsers support these advanced encryption techniques, however, some older browsers do not. Please note that, beginning May 21st, customers using the unsupported Microsoft Windows XP® and Windows Vista® with Internet Explorer (IE) 6 or 8, will be unable to use our digital solutions and must upgrade to a newer supported version of Internet Explorer, Google Chrome™, or Mozilla Firefox® instead.

Additionally, some end customers using Internet Explorer 10 (IE10) or lower may receive a message from their browser about updating their browser security settings to TLS 1.1 or 1.2. These end customers should enable these protocols on the Advanced tab in IE via Tools > Internet Options to continue accessing digital finance solutions or upgrade to a newer supported version of Internet Explorer.

If you have questions, please contact our Customer Care Center at 1-888-692-2654.