News, events, and useful financial information from APCO Employees Credit Union.

Introducing APCO Rewards


We have exciting news for our APCO Credit Union family: APCO Rewards is now here!

Your Credit Union now rewards you when you use your APCO Employees Credit Union Chek-Plus VISA ATM/Debit Card.  We’ll give you points for simply using your APCO Debit Card to purchase merchandise or services. Then, redeem your points and receive great gifts and merchandise.

{MORE: Why APCO Rewards is better than rewards programs at other financial institutions.}


How It Works

Here’s how APCO Rewards works:

  • Enrollment is automatic when you have an APCO checking account with a debit card and sign up for online banking and e-statements.
  • Simply use your APCO Credit Union VISA ATM/Debit Card for everyday purchases.
  • Your purchases earn points, which are totaled and mailed quarterly via certificate.
  • With certificate in hand, visit
  • Register or log in and enter your certificate number.
  • Browse hundreds of free rewards gifts and redeem when ready.

Bottom line: consider APCO Rewards as a “Thank You” for being a loyal Credit Union member.

Watch your mailbox for the introduction and launch of this program, and visit to start building your prize wish list.

Swipe. Earn. Redeem.


Answers to Frequently Asked Questions

1. How do I create an account?
To create an account, simply go to and click on the “New Account” page. Enter the required information and click the submit button. Your account will be created and you will be able to enter certificates.

2. Do I need an email address for an account?
Yes, you must have an email address to create an account.

3. Does my account ever expire?
No, your account never expires.

4. What if I forget my password?
Simply visit, click on “Forgot Password,” and enter the email address associated with your Rewards account into the email address field. A new password will be emailed to you.

5. How do I earn points?
Please contact us by email at or call us at 910-202-0509 to find out how you can earn points.

6. What is a certificate?
Every time you qualify, points will be issued in the form of a certificate. Certificates are mailed out periodically during the year, and you will add the points to your account with these certificates.

7. How do I enter a certificate to my account?
Go to, log into your account, and click on “Enter Certificates.” You will see open text fields. You can enter several certificates at a time. After you click the save button, your points will be verified and added to your balance. Please note that certificates use only numbers 0 through 9 and letters a, b, c, d, e, f.

8. How do I view my point balance?
When you log into the system, your current point balance will be displayed in the top left corner.

9. Do points expire?
The expiration date on the points is noted on the certificate. Points will be invalid at 12 a.m. on that date, and cannot be redeemed for a prize. Their value will become 0.

10. What if I lose or misplace my certificate?
Unfortunately, we have no way of tracing your certificate number once it has been issued to you, so we cannot replace lost or stolen certificates. We do apologize for any inconvenience. We suggest that you enter your certificate number into your online Rewards account upon receipt. Once the points are deposited into your online Rewards account, you can feel free to discard your paper certificate.

11. How do I redeem points for a prize?
You can redeem prizes by clicking on View or Claim Prize (once you have logged into your account). Simply click on the prize level from which you wish to order and select a prize. Verify the shipping information and click the submit button, then confirm your order. Most gifts are shipped to arrive within 3 weeks.

12. Can I send my prize to someone other than myself?
Yes, simply enter a different address in the shipping information and your prize can be sent to someone else.

13. Do you ship to PO Boxes?
You must enter an address to which both the US Postal Service and UPS/FedEx deliver since we routinely use both of these shipping methods. The actual method used will be determined by our fulfillment system at the time of shipping based on a number of factors. Because many items must be shipped by UPS/FedEx, and because UPS/FedEx cannot deliver to a P.O. Box, our system does not allow the word “Box” in the address area. Therefore, do not enter a P.O. Box address as a shipping address.
However, if your physical address includes the word “Box” (such as a Rural Route box number), please replace the word “Box” with the “#” sign in your address. For example, “Route 133, Box 14” becomes “Route 133, #14”. Please note that in addition to being a physical address, the address you use must be a valid US Postal Service address and have a mail receptacle, so that you will be able to receive either a US Postal Service or UPS/FedEx shipment. If this is not the case, you may not receive your shipment.

14. How do I contact customer service?
Please contact APCO Rewards by email at or call us at 910-202-0509.

15. Why is my online banking log-in not working
Your login and password for your account on this site are not the same as your login and password for online banking through your financial institution. We allow certificates from multiple accounts and multiple account holders to be deposited into a single rewards account so you can redeem for a gift faster (in other words, you can “pool” certificates in our program), so your checking account is not tied to your rewards account. Please create a new account and password for logging points, online shopping and redeeming points.