Refer a Friend Program

Earn up to 5,000 reward bonus points for friends
who open an account with Polam FCU.

Uchoose rewards

Polam Auto Loans
There is nothing better than having good friends, and Polam would like to reward you for that. For each friend you refer to Polam, we will reward you and your friend with 5,000 uChoose Rewards Points when they open an account with us.
All Polam members that have a Polam VISA Debit or Credit card, are already earning points automatically, so if you haven’t enrolled to see and redeem your points yet, just click www.uchooserewards.com or call your local branch and we will help you with that.

What can you do with REWARDS POINTS?

Well, almost anything. Once you earn at least 1,500 points you can start redeeming them for all sorts of things; how about a gift card from Amazon, Best Buy, Home Depot, Macy’s, Target or the hundreds of other stores that are in our rewards program. And if you don’t see the store you like, you can even get a pre-paid VISA card that lets you use it anywhere VISA is accepted. You can also use points for Travel, Hotel and Car rentals, or shop for merchandise through the uChoose Rewards website, or find concert tickets or gift cards to restaurants. The choices are almost limitless, and the rewards are yours to use as you like.

Polam is a great place to bank. We believe in a friendly and personalized approach to banking with all the services and products to make your banking experience the best it can be. We don’t make you wait in line at our branches, we don’t make you press buttons when you call, and we charge you crazy fees for everything – in fact, we only have one annual fee of $15 that covers all our services ranging from general banking accounts, to on-line banking, mobile banking, bill payer, point rewards program, VISA debit cards and almost every other service. We also have great rates on car loan, home loans and business loans too.

So just fill out and print the form below and tell your friend to bring it with them so we know to give you the reward points. Or just make sure they tell us you referred them when they come to open their account.

Get the Form

Click on a topic below and discover an answer

uChoose Rewards is a program where you earn points for shopping or using your Polam Federal Credit Union VISA Debit or Credit Card, and then redeem your points for anything of your choice from a huge online rewards catalog for merchandise, travel, event tickets or gift cards.

It’s easy and automatic. Every time you use your card as a ‘credit transaction’ you earn points. These points accumulate on your account and don’t expire. You can start redeeming as early as 1,500 points.

Actually, very fast. You always earn 1-point for every $2-dollars you spend, but there are ways to earn points even faster. Go to your uChoose Rewards account page to see all the ‘special promotions’. Some stores will offer special promotions where you can earn 30-points for every dollar you spend. Some stores offer more and some less, but the rewards are always fun to look for.

You earn points anywhere you can use your VISA Debit or Credit card as a ‘credit transaction’, and you can earn points either in the store or when you shop online. A great way is to use your VISA Debit card as a ‘reusable plastic check’ meaning wherever you would normally write a paper check, see if you can use your debit card instead and earn points. Use it at the grocery store, or to pay your bills and earn points each time.

Once you earn at least 1,500 points you can start redeeming them for all sorts of things. How about a gift card from Amazon, Best Buy, Home Depot, Macy’s, Target or the hundreds of other stores that participate in the program. And if you don’t see the store you like, you can even get a pre-paid VISA card that lets you use it anywhere VISA is accepted. You can also use points for Travel, Hotel and Car rentals, or shop for merchandise through the uChoose Rewards website, or find concert tickets or gift cards to restaurants. The choices are almost limitless, and the rewards are yours to use as you like.

That’s easy too. In just a few steps you can activate your Polam VISA Debit or Credit Card through the uChoose Rewards website. And if you need help, call your local Polam Branch and we can do it for you. Once you are enrolled, take a look around the website to see all the special promotions to earn points even faster and have fun planning on what you can reward yourself with.

Actually no, Polam offers other ways for you to earn point too.  For example:

  • When you refer a friend to open an account with Polam, both you and your friend can earn 5,000 points.
  • Or if you get a car loan at Polam you can also earn 5,000 points.
  • How about getting 25,000 points when you finance your new home through Polam or refinance your home loan from another bank with Polam.
  • And we automatically credit your account with 500 points on your birthday each year.

 

Help me understand a few things about the program:

A “credit transaction’ is when you use your Debit Card as a credit transaction, meaning you do not use your PIN number to authorize the purchase, you use it just like you would any other Credit Card.
When you use your card as a credit transaction, the merchant pays an interchange fee to the credit card processing company and then Polam earns a portion of that fee. Polam then uses that fee income from the merchant to give back to you as a points reward. Its just another way of thanking you for being a member of Polam and using our card everywhere you shop.
Normally your points become available five days after the end of the month. However, depending on the merchant they can process a transaction up to 40-days later, but that rarely happens.
When you return a purchased item or cancel a transaction, the points you earned for that purchase or transaction are reversed.
Yes, you can link multiple cards so your points can quickly accumulate under on rewards account.
No, at this time we only offer rewards for gift cards, travel, entertainment, restaurants and merchandise.
No, Polam does not charge a fee to use the rewards program.
Yes, but you will need to arrange that with us since it requires special processing.
Since 1974, Polam FCU has actively served the Polish American community in California and Connecticut. At Polam, our members are what make our financial institution safe, strong, and successful. Contact Us

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