Login

Online Banking Security Statement

Member Rewards

Frequently Asked Questions

Frequently Asked Question Regarding Member Rewards

How is my reward level calculated?

Reward levels are based on the balances maintained in your qualified accounts during each calendar month.  Your eligibility is calculated every month, and the calculation determines your Member Rewards level for the following month.  For example: Calculations of your accounts made in May determine your benefits to be awarded during June; calculations made in June determine your benefits to be awarded during July, etc. 

Every calculation period, we'll add your Emory Alliance CU loan balances (see Note 1, below) and your deposit account balances (see Note 2, below).  These balances determine your rewards level:  Value, Classic, and Premier.
 

When are my rewards posted to my account?

All fee waivers and rebates are posted at the end of the current month, after the close of business, to the S1- Membership Share account and are reflected on your account statement.
 

How do I get my free discounted checks?

If you are a Classic or Premier Rewards member, the cost for the free checks will be rebated back to you when you order the checks directly through Emory Alliance CU.
 

Can I combine my account balances with other accounts that I am a joint owner at the credit union?

No.  The Member Rewards Program is based on individual accounts and not household accounts.


 

At Emory Alliance Credit Union, our members are our most valuable asset.  The Member Rewards Program is our way of thanking you for your business and for giving us the opportunity to help you reach your financial goals.  

It's simple: The more credit union products and services you use, the greater your rewards.

There are three levels of Member Rewards.  Click on the rewards level below to view benefits. 

Value Rewards - Combined total deposits and loan balances up to $25,000.

Free Services

  • Online Banking
  • Identity theft protection¹
  • VISA® debit card¹
  • Bill Pay²

Classic Rewards - Combined total deposit and loan balances of $25,001 to $75,000.

Receive all of the Value Rewards PLUS

  • Cashier's check (one per month)
  • Money orders (five per month)
  • Checks (one box of Emory Alliance CU standard checks per year)
  • VISA® gift card (one per month)
  • Bonus rates on Certificates of Deposit & IRAs (+0.05%)4
  • Refunds for non-Emory Alliance CU ATM transaction surcharges (limit two per month at $2 each)5

Premier Rewards - Combined total deposits and loan balances $75,001 or more.

Receive all of the Value and Classic Rewards PLUS

  • Incoming/outgoing domestic wire transfer
  • VISA® gift card (maximum of two per month)
  • Free network ATM withdrawals at nonproprietary ATMs5
  • Refunds for Non-Emory Alliance CU ATM Transaction Surcharges (up to four per month at $2 each)5
  • Bonus rates on Certificates of Deposit & IRAs (+0.10%)6
  • Waive one consumer/automobile loan application fee per year
  • Refund stop payment fee (one per month)
  • Reduced mortgage loan origination fees (-0.25%)7
  • Refund overdraft privilege fee (one per month)

Reward levels are based on the balances maintained in your qualified accounts during each calendar month.  Your eligibility is calculated every month, and the calculation determines your Member Rewards level for the following month.  For example: Calculations of your accounts made in May determine your benefits to be awarded during June; calculations made in June determine your benefits to be awarded during July, etc. 

You must be a member in good standing with the credit union to be eligible to participate in the Member Rewards Program.*

If you have any questions, you are always welcome to call us during regular business hours. We will be glad to discuss your Member Rewards package with you.

*To be a member in good  standing, you must not have had any past due loan accounts for more than 60 days or be responsible for any transaction (s) that are considered fraudulent by the credit union or have had any unpaid account that has caused a monetary loss to the credit union in the past year.
The Members Rewards Program is subject to change at any time without prior notice.
1 For checking account holders only.
2 Bill Pay Free - up to 15 transactions.
3 Maximum of 0.25% on loan discounts. Consumer loans are comprised of auto loans and personal loans.
4 Maximum of 0.05% on bonus rates.  Advantage Club members cannot combine bonus rates from the
   Member Reward Program with bonus rates from the Advantage Club Program on certificates and IRAs.
5 Surcharge and withdrawal fees incurred from nonproprietary International/Foreign ATMs are excluded.
6 Maximum of 0.10% on bonus rates.  Advantage Club members cannot combine bonus rates from the
   Member Rewards Program with bonus rates from the Advantage Club Program on certificates and IRAs.
7  Cannot combine with other mortgage loan offers or promotions.
About ATM Surcharges:   Emory Alliance CU members have access to surcharge-free transactions at ATMs in Georgia through CU 24/CU HERE ATM networks.  To find a surcharge-free ATM near you, visit www.cu24.com and click on the ATM Locator.

Back to Top