Frequently Asked Questions

No you cannot.

Yes, you can redeem points online by either logging into Online Banking or by using our Mobile Banking App and clicking "Rewards" within the menu.

Yes, you can perform a cash back deposit to savings or checking to erase a fee. However, there is not an option in the 'Erase a Transaction' feature to erase a fee.

We offer a variety of ways to redeem your points. You can choose to simply have cash back, erase a purchase on your Visa or other eligible transactions on savings or checking accounts and make loan payments.

You can do this when using Online Banking Banking or Mobile Banking within the 'Rewards' tab, contacting our Call Center or stopping into one of our branches. We are more than happy to help you out.

You earn one point for every dollar you spend when using your Wildfire Visa credit card.

Not long at all! You will instantly see the deposit into the share or loan you choose. If you are not seeing the deposit or payment being made, please contact our Call Center at 989-249-8200 or 800-227-2328.

1 point = 1 cent ($0.01)

No.

No, international fees will not earn points and cannot be erased.

If you use your points to satisfy the full payment of the amount due, the system will advance the due date by one month, as long as the loan is not already paid ahead into the next month.

Yes, your points will remain the same when you get a new card.

Nope!

No. Feel free to redeem as many or as few points as you want, whenever you want.

No need to worry, your points will appear once the merchant posts the transaction. Merchants can post as early as the same day or over the next few days.

We have designed a rewards program for its members to earn points, which can be redeemed for cash back on purchases they make using their Visa credit card.

To learn more check out Wildfire Rewards.

When you erase a transaction on your credit card loan, it will be posted as a credit to your loan and not a payment. Credits to your loan will not advance the due date, but a full payment using Cash Back redemption will advance the due date.

You can see your point balance in real time when you log in to either Online Banking or in the Wildfire Mobile Banking App.

You can also find your point balance on your monthly statement that is delivered in the mail or electronically through Online Banking.

Points are earned based on the authorization date, not posting date of a transaction.

For example, if you make a purchase on a Monday and a promo starts that Wednesday and your transaction is posted on Wednesday, it will not count towards the promo. This is because the date you made the transaction, or the authorization date, was on Monday. 

There are various reasons why restrictions get placed on accounts. If there is a restriction on your account please contact the Call Center at 989-249-8200 or 800-227-2328 to answer any questions you have.

Your Reward account may not be the account that is collecting points. All joint owners on the credit card loan have the option to collect the points. View your sources and if you see a "Collect to Me" button with another person's name listed, your points are being collected to that person's Reward account.

To begin collecting points back to your Rewards account, simply click the "Collect to Me" button.

When you redeem points for cash back to pay on your loan, this will apply to your loan as a payment. Just like any other payment, if there is interest owing, the system will satisfy the interest owing and any fees before applying any amount to principal.

Yes, you will receive a notification on your statement before your points expire.

Yes, your points will expire four years after the first of month following the month you earned the points.

For example: Say you made a purchase on October 15, 2021. The points earned on that purchase will expire on November 1, 2025.