Frequently Asked Questions

Q: What is the Wildfire Rewards Program?

A: 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.

Q: How much is a point worth?

A: 1 point = 1 cent ($0.01)

Q: Can I cover withdrawals I make at ATMs with my points?

A: No, you cannot.

Q: Can I redeem my points online?

A: Yes, you can redeem points by either logging into Online Banking or by using our Mobile Banking App. Choose "Make a transfer" from the "Move Money" menu. Then select your "Rewards" account in the "From" dropdown. From there choose the account or loan you would like to redeem you points to, the amount you wish to transfer, and then click the submit button.

Q: Can I reverse and/or pay a fee with my points?

A: Yes, you can perform a transfer from your rewards account and deposit to savings or checking to reverse a fee.

Q: How can I use my points?

A: We offer a variety of ways to use your points. You can choose to simply have a transfer to your Visa or other eligible transactions on savings or checking accounts and make loan payments.

Q: How do I apply Cash Back to my credit card bill?

A: You can do this when using Online Banking or by using our Mobile Banking App. Choose "Make a transfer" from the "Move Money" menu. Then select your "Rewards" account in the "From" dropdown. From there choose your Visa loan as the "To" account, enter the amount you wish to transfer, and then click the submit button. Don't hesitate in contacting our Contact Center or stopping into one of our branches. We are more than happy to help you out.

Q: How do I earn points?

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

Q: How long will it take to receive points I redeemed?

A: 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 Contact Center at 989.249.8200.

Q: If fraudulent charges occur on my account, do I get to keep the points the charges earned?

A: No.

Q: If I travel out of the country, will the international fees earn points?

A: No, international fees will not earn points.

Q: If I use my points to make a loan payment, will it automatically advance the due date?

A: 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.

Q: If my Visa card gets lost or stolen will my points transfer to my new card?

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

Q: Is there a limit to the amount of points I can earn?

A: Nope!

Q: Is there a minimum or maximum to the amount of points I can redeem at one time?

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

Q: What if I don't see points on my account after making a purchase?

A: 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.

Q: Where can I find my point balance?

A: You can see your balance in real time on the "Rewards" account under the "Other" section on the summary page, 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.

Q: Why didn't I earn points on my purchase during a promotion?

A: 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.

Q: Why do I have a restriction on my account?

A: There are various reasons why restrictions get placed on accounts. If there is a restriction on your account please contact the Contact Center at 989.249.8200 to answer any questions you have.

Q: Why isn't my balance growing as I use my Visa?

A: Please give us a call at 989.249.8200 or stop into one of our branches to report this issue and we will get things all straightened out for you!

Q: Why was interest deducted from my payment when I redeemed points to pay on my loan?

A: 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.

Q: Will I be notified when my points are expiring soon?

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

Q: Will my points ever expire?

A: 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, 2022. The points earned on that purchase will expire on November 1, 2026.