Area Community Credit Union
Earn up to 1.5% cashback at Area Community Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Area Community Credit Union with a Fluz virtual card.
Available while supplies last.
Valid only at official store locations.
Offers are subject to change - check here before purchasing.
Area Community Credit Union has served Grand Forks, North Dakota since 1958, growing from a small local cooperative into a full-service financial institution. Based on South Washington Street, it offers personal banking, auto and recreational loans, mortgages, and online services to residents throughout the greater Grand Forks community.
Since the late 1950s, Area Community Credit Union has been a steady financial partner for Grand Forks families, growing alongside the community it serves while keeping member service at its core. Whether financing a new vehicle, a recreational toy, or your first home, this credit union offers competitive rates without the corporate feel of a national bank. Add Fluz into the mix and you can start earning cashback rewards simply by banking and shopping the way you already do, making your relationship with Area Community Credit Union even more rewarding day to day.
What is a Fluz virtual card?
A Fluz virtual card is a digital-only payment card that comes with its own card number, expiration date, CVV, and billing address.
How does cashback work for my Fluz virtual cards?
You earn up to 1.5% cashback on Fluz Virtual Card purchases (sometimes more based on the merchant's offer) with no fees, credit checks, or minimum spend required.
What do I need to do before creating my first virtual card?
Verify your Fluz account by completing identity verification (KYC) and link a bank account to fund purchases.
Where can I use my Fluz Virtual Card, and how do I pay?
Anywhere Mastercard/Visa is accepted, including online and in-store via Apple Pay or Google Pay. If asked, Fluz virtual cards use the same PIN as your Fluz account.
How is my card funded, what are the limits, and when am I charged?
You can fund purchases with your Fluz balance or a linked bank account. You can set a card limit when generating a card, but you're only charged for the amount you actually spend.
Is the Fluz virtual card secure?
Yes. Your card details are protected with Face ID, PIN, or 2FA, and you can lock, unlock, or freeze cards anytime, with additional security controls and real-time alerts.