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Total Rewards FAQs


Questions About Rewards? We Totally Have the Answers.

Earning and tracking points with totalREWARDS is easy peasy lemon squeezy. Read on for all the deets. And if you still have questions give us a call or chat with us online. We're here to help you.

It's easy! Simply log into Education First FCU Online Banking on desktop or through the mobile app. The new program is a secure single-sign on, which means no more remembering a separate username or password.  Now you can see a total picture of your finances - and rewards - in one place!  Not signed up for Online Banking yet? No worries - it's easy and secure. Click here to sign up today!

Yes. Both Education First credit and debit cards both earn rewards. Purchases made using your consumer credit card earn one (1) point for every dollar. Purchases made using  your consumer debit card earn one (1) point for every four (4) dollars. 

Education First credit card purchases earn points automatically. To earn points for purchases made using your totalREWARDS debit card, simply 1) Sign-up for secure eStatement delivery easily via Online Banking, and 2) Have a direct deposit of $500 or more each month into your Education First checking account OR use your debit card for 20 signature based purchases each month.*

Existing Education First credit card holders won't need to register - you'll automatically be enrolled in totalREWARDS and start earning rewards right away. New credit card holders and all debit card holders can register easily through online banking.

Passwords cannot be the same as the User ID and must contain 8 to 20 characters. The password must have alphanumeric characters with one upper case, one lower case, one numeric, and at least one special character. The special characters allowed are ! @ # $ % ^ * , _. The password cannot contain more than two repeating characters. Your password is case sensitive so it must match exactly as it was entered.

Select “Forgot Password?” on the login screen and follow the steps displayed. 

Select “Forgot User ID?” on the login screen and follow the steps displayed. 

No, user IDs cannot be changed. 

Please call 206-352-3478.

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