Thank Use is a Dupaco-only perk that "thanks" members—in cash—for simply participating in their credit union and using its services! Unlike banks and other profit-driven financials, Dupaco's cooperative structure enables us to put money right into the pockets of our member-owners. More than 50,000 Dupaco members collected more than $2.6 million in Thank Use. And over the past three years, Dupaco members have shared nearly $9 million in Thank Use. The results of this year's Thank Use campaign and individual member shares have been calculated! Thank Use you earned from January 1-September 30, 2018, was credited to your share savings account on October 18, 2018—International Credit Union Day. Although Thank Use has ended, you're welcome to earn, learn and save at Dupaco any day!

 Here's how members could earn:

Savings balances earned members up to $75!
Qualifying deposits included savings, money market, IRA, term share certificate and health savings accounts.
Here’s the breakdown:  

To be eligible for Thank Use on savings balances, you must meet Dupaco’s active checking definition, meet all other campaign eligibility requirements, and have a balance of $1,000.00 or more
in combined deposit accounts (savings, money market, IRA, term share certificate, and/or health savings) on 09/30/18. Checking account balances not included.

Members earned up to $150 for the interest paid on auto, recreational vehicle, personal,
home equity and mortgage loans financed (or refinanced) through Dupaco.
Here's how: 

To be eligible for Thank Use on loan interest paid, you must meet Dupaco’s active checking definition, meet all other campaign eligibility requirements, and have paid a minimum of $100 in total interest
on qualifying loans (auto, recreational vehicle, personal, home equity, and/or mortgage) from 01/01/18 - 09/30/18.

Every time members used their Dupaco debit MoneyCard and/or their Dupaco VISA credit card
for purchases, they earned Thank Use for each eligible transaction.
Here's how: 

Dupaco debit MoneyCards and Dupaco VISA credit cards give you free money management tools, with account alerts
and access to Shine Online & Mobile Banking, where you can verify and search transactions on your cards.

To be eligible for the pay co-opportunity on debit and VISA card transactions, you must meet Dupaco’s active checking definition, meet all other campaign eligibility requirements,
and use a Dupaco MoneyCard and/or VISA for transactions. Receive $0.05 for every transaction posted to your account from 1/01/18 – 9/30/18 (excludes ATM transactions).
Transactions may take up to 3 business days to post to your account.)

By partnering with the experts at Dupaco Insurance Services and Dupaco Financial Services, members
were able to grow their finances and protect their possessions. Plus, they were "thanked" in return!

To be eligible for the plan co-opportunity, you must meet Dupaco’s active checking definition, meet all other campaign eligibility requirements and have a minimum of one the following on 9/30/2018:
an existing policy holder with Dupaco Insurance Services or an existing account holder with Dupaco Financial Services. 

Using Dupaco’s convenient digital services earned members up to $15 in Thank Use!
Eligible services included: eDelivery, Bright Track, Shine Online & Mobile banking, Picture Pay,
mobile deposit, direct deposit and video teller machines. 

To be eligible for the access co-opportunity, you must meet Dupaco’s active checking definition, meet all other campaign eligibility requirements and do 3 or more of the following:
between 01/01/18 – 09/30/18, use a video teller machine, use picture pay, use mobile deposit, or have a direct deposit item post; between 07/01/18 – 09/30/18 log into Shine online banking at least once;
on 09/30/18 be enrolled in Bright Track or be set-up for eDelivery (required eNotices enrollment, AND opted out of mailed monthly member statements, AND opted out of mailed monthly VISA statements, if a VISA cardholder).

More than 83.3% of participating Dupaco Bright Track-enrolled members improved or maintained their credit scores making this year's group goal a success. Eligible members who enrolled in Dupaco Bright Track by Sept. 30 earned an extra $10!

To be eligible for the improve co-opportunity, you must meet Dupaco’s active checking definition, meet all other campaign eligibility requirements, be enrolled in Bright Track on 09/30/18, and log into Shine Online Banking
at least once between 07/01/18 – 09/30/18. . Group calculation based on members enrolled in Bright Track a minimum of 6 months (on or before 04/01/18).  

QUALIFICATIONS: Personal member with an active personal checking account and a primary savings account minimum balance of $25.00 or more on 9/30/18.

INELIGIBILITY: The following are not eligible: personal members with a loan or deposit charge-off in 2018, personal members with a loan delinquent by 60 consecutive days or more on 9/30/18, or personal members with a negative checking account balance for 30 consecutive days or more  on 9/30/18; business members and trust members with an EIN; business accounts under personal memberships.

PAYOUT: Thank Use posts to the member’s primary savings account on 10/18/18 and may be reportable on IRS form 1099-MISC.

LIMITATIONS: To receive Thank Use, membership on 10/18/18 is required. Account relationships, deposit balances, and loan interest paid are based on a single member number and cannot be combined or shared with other member numbers.

ACTIVE PERSONAL CHECKING DEFINITION: Must meet one of the following qualifying criteria: a.) Set up direct deposit into your checking account, then have a total of 5 or more check, debit, or automated clearing house (ACH) transactions on that checking account within 90 consecutive days ending on 9/30/18. OR b.) Or, if you cannot direct deposit into your checking account, then have 10 check transactions, or 8 debit transactions, or 5 automated clearing house (ACH) transactions, or 3 bill pay transactions, on that checking account within 90 consecutive days ending on 9/30/18.

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