Thank Use - Dupaco

At a cooperative like Dupaco, you’re not just a member—you’re an owner. Active participation not only powers the credit union but promotes financial well-being through education, better rates, fewer fees, and Thank Use participation dividends. Since 2016, Dupaco members have received more than $16.8 million in Thank Use for participating in their cooperative.

Together, Members Share

Join us to start earning

Here’s how participating members can earn in 2021:

An active checking account indicates your commitment and is the key to unlocking all of your Thank Use.

Thank Use: Save

Build up your savings and earn up to $60.

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Thank Use: Borrow

Earn up to $60 for interest paid on your loans.

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Thank Use: Plan

Use our financial & insurance services, get up to $30.

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Thank Use: Pay

Earn 5 cents every time you pay with your Dupaco card.

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Take the quiz. Use the tools. Earn up to $20.

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A special reward for returning Thank Use participants.

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If we hit our goal, everybody earns $5 more!

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A chance for members under the age of 18 to earn.

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Services Used	Thank Use
One	$15
Two	$30
To earn Thank Use in the Plan category, you must meet the stated Thank Use qualifications and have at least one of the following before or on 9/30/21: 1) An insurance policy through Dupaco Insurance services, and/or 2) an account with Dupaco Financial Services.

Combined Savings Balances	Thank Use
$1,000-$4,999	$20
$5,000-$19,999	$25
$20,000-$49,999	$35
$50,000-$199,999	$45
$200,000+	$60
To earn Thank Use in the Save category, you must meet the stated Thank Use qualifications and have a balance of $1,000 or more in combined deposit accounts (savings, money market, IRA, term share certificate, and/or health savings) on 9/30/21. Checking account balances not included.

Combined Loan Interest Paid	Thank Use
$100-$499.99	$20
$500-$1,999.99	$30
$2,000-$4,999.99	$40
$5,000+	$60
To earn Thank Use in the Borrow category, you must meet the stated Thank Use qualifications and have paid a minimum of $100 in total interest on qualifying loans (auto, recreational vehicle, personal, home equity, and/or mortgage) from 1/01/21–9/30/21.

Card Used	Thank Use
Dupaco Debit MoneyCard	$0.05 per swipe
Dupaco Visa Credit Card	$0.05 per swipe
To earn Thank Use in the Pay category, you must meet the stated Thank Use qualifications and use a Dupaco MoneyCard and/or Visa for transactions. When you do, you’ll earn $0.05 for every card transaction posted to your account from 1/01/21–9/30/21. (Excludes ATM transactions. Transactions may take up to 3 business days to post to your account.)

Eligible Services	Thank Use
Shine Activity and/or Balance eNotifiers	$5
Email Address Verification	$5
Mobile Phone Number Verification	$5
Protection Connection Quiz	$5
To earn Thank Use in the Protect category, you must meet the stated Thank Use qualifications and complete at least one of the following by 9/30/21: 1) Set up at least 1 Shine activity or balance eNotifier (excludes Visa purchase alerts and sign-in alerts), and/or 2) Verify your email address in Shine, and/or 3) Verify your mobile phone number in Shine, and/or 4) Complete the Protection Connection Quiz in Shine.

Years of Participation	Thank Use
6 consecutive years of participation (2016-2021)	$10
To earn Thank Use in the Participate category, you must meet the stated Thank Use qualifications and have been paid Thank Use in all years between 2016–2021.Thank Use paid on a past, closed member number does not count.

Number of Deposits	Thank Use
5+	$25
To earn Thank Use in the Boost category, you must meet the stated Thank Use Boost qualifications and make 5 separate savings account deposits of at least $5 between 1/1/21-9/30/21. Limit one qualifying deposit per day. Deposits are based on a single member number and cannot be combined or shared with other member numbers.

Thank Use Qualifications

THANK USE QUALIFICATIONS
You must be a Personal member who meets these three criteria before or on 9/30/21: 1) be 18 or older 2) have an active checking account 3) have a primary saving account with a minimum balance of $25 or more.

INELIGIBILITY
You’re not eligible for Thank Use if you: 1) have a loan or deposit charge-off in 2021 that’s not paid back in full by 9/30/21, or 2) have a loan that’s delinquent by 60 consecutive days or more on 9/30/21, or 3) have a negative checking account balance for 30 consecutive days or more on 9/30/21. Business memberships and trust accounts with EINs, and business accounts under a personal membership don’t qualify for Thank Use.

PAYOUT
Your Thank Use 2021 earnings will be deposited into your primary savings account on 10/21/21 and may be reportable on IRS form 1099-MISC.

LIMITATIONS
You must be a Dupaco personal member before or on 10/21/21 to earn and receive Thank Use. Your participation dividends are based on your individual member number. They can’t be combined or shared with other member numbers. Each earning category is payable once under a member number.

ACTIVE PERSONAL CHECKING DEFINITION
Your personal checking account will be considered active when you: 1.) Set up direct deposit and use the account to make 5 or more check, debit, or automated clearing house (ACH) transactions within 90 consecutive days ending on 9/30/21. Or 2) Use the account to make 10 check, or 8 debit, or 5 automated clearing house (ACH), or 3 bill pay transactions within 90 consecutive days ending on 9/30/21.

Thank Use Boost Qualifications

THANK USE BOOST QUALIFICATIONS
You must be a personal member who meets these two criteria before or on 9/30/21: 1) under age 18, and 2) have a primary saving account with a balance of $25 or more.

PAYOUT
Your Thank Use 2021 earnings will be deposited into your primary savings account on 10/21/21 and may be reportable on IRS form 1099-MISC.

Together, Members Share

Here’s how participating members can earn in 2021:

Use your credit union to grow your finances and protect your possessions. When you have an active checking account — and partner Dupaco Insurance Services and/or Dupaco Financial Services — you’ll be “thanked” in return!

Together with an active checking account, your savings balances could earn you earn up to $60!

An active checking account enables you to earn up to $60 for the interest you pay on loans financed or refinanced through Dupaco. Here’s how it works:

With an active checking account, you could earn Thank Use every time you make purchases with your Dupaco debit MoneyCard and/or Dupaco Visa credit card! Here’s how:

Make your financial life more secure with Dupaco fraud protection services and education! With an active checking account, you could earn cash for each measure you take to protect yourself from fraud.

This is a special “thank you” for members who participate in Thank Use year after year.

Dupaco is a true financial cooperative—and Thank Use is a true cooperative effort. The more members participate, the more everyone benefits.

Boost is a special Thank Use earning category for members under the age of 18. Members who made five individual savings deposits of $5 or more earned a $25 “boost” to their accounts.

Thank Use Qualifications

Thank Use Boost Qualifications