uChoose Rewards

Trustco Bank Rewards is a rewards program enabling you to earn points when you make purchases using your Trustco Bank Debit Card. These points can then be redeemed at the point of sale with our Pay with Points program, online for cash back, gift cards, or merchandise.

You earn points everywhere in the United States your card is used to make purchases.

You earn points by making qualifying purchases using your Trustco Bank Debit Card. Your Financial Institution will also make special offers available for activation when logged into your Trustco Bank uChoose Rewards online account, including merchant-funded bonus offers.

Some merchant-funded offers require redemption’s to be made through the “Shop Now” link in the offer.

Activation of any offer is applicable for all cards on your account.

This does not apply to linked accounts, however. You will need to log into the Trustco Bank uChoose Rewards account associated with any linked accounts and activate offers for cards on those accounts.

It can take up to 60 days from the date of your transaction or 60 days after travel completion for transactions to appear on the My Rewards tab and points credited to your account.

If points from a qualified transaction do not appear after 60 days, call 1-800-390-6739 for support.

Yes. All cards associated with an account will automatically earn points together.

If you have multiple accounts with Trustco Bank,you can link them together from the My Account page of the Trustco Bank uChoose Rewards site. You will be required to get through multi-factor authentication to link accounts.

Log into your Trustco Bank Online Banking or Mobile Application, click on Manage Cards, Click on uChoose Rewards, Click on My Rewards to view all the points you’ve recently earned, how many are available for redemption, and your redemption history.

You will be able to click on the “Account” drop-down to see the same details for all cards on the account or linked to your account.

Yes, you must log in to your Trustco Bank account to see your most current balance.

Typically, points earned in 1 month are vested and available for redemption the 1st of the next calendar month.  There are instances where it can take up to 60 days after a transaction date or travel completion date for your points to be credited to your account.

Depending on your financial institution’s rules, you can redeem your points at the point-of-sale with our Pay with Points program or online for cash back, Apple products, gift cards, hotel rooms, rental cars, airline tickets, and more.

For Amazon and PayPal partnerships, you must have your Trustco Bank uChoose Rewards enrolled card in that wallet -ideally as your default card and when selected during checkout, you determine how many points to spend.

If you don’t pay for your entire purchase with points, you will use your Trustco Bank Debit Card for any remaining balance.

If you see Pay with Points as part of the “Redeem Points” drop down menu on your Trustco Bank uChoose Rewards online account homepage, then you are eligible.  To determine which merchants are participating, click on the Pay with Points link or Pay with Points Redemption tile, from your rewards homepage within Card Manager(Manage Cards).

No, you cannot change the shipping address for a redemption from the address on file. This is to protect you against fraudulent use of your points. If you would like to change your address, you will need to contact Trustco Bank to adjust.  This also applies to your email address as well.

Not currently. Our shipping partners require a physical address in the United States for delivery.

Some redemption items can be returned, and some cannot. To understand the various redemption processes, please review the respective store front’s Redemption Terms & Conditions and processes to follow if returns are supported.

Just as you’d do with purchases made with a card, please consult the particular merchant’s site for more information.

Please refer to the merchant’s customer support documentation for order-related questions.

Cash back redemption’s are deposited in the account that is linked to the debit card selected for rewards.

If your card is lost or stolen and a replacement is issued, points will be accessible by the new card, if it is on the same account.  Once you receive your new card, simply log in to the Trustco Online or Mobile Application as you do today, select Manage Cards(Card Manager), uChoose Rewards, and you will see the new card and current points balance.

Outside New York state, you have up to 30 days after account closure to request the points to be redeemed into cash back deposited in another Trustco Bank account.

If your address on file is within New York state, you have up to 90 days to request the points be paid out.

Contact your financial institution so that an investigation can be undertaken to prevent fraudulent activitywith your earned rewards.

To research any questionable redemptions, you can call the Contact Center at 1-800-390-6739 or contact your financial institution at 1-800-370-3110 so they can initiate an investigation to avoid further fraudulent activity.

Call 1-800-390-6739 or contact your financial institution at 1-800-670-3110 to assist.