Cha-Tel Credit Union
Earn up to 1.5% cashback at Cha-Tel Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Cha-Tel 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.
Cha-Tel Federal Credit Union traces its roots to Charleston, West Virginia's telephone company employees, whose name it still carries. Today the cooperative continues serving its member families with share savings, loans, and online account access, maintaining the neighborly, low-cost philosophy that defines small-town credit union banking.
Long before smartphones, Charleston's telephone workers dialed up something smart: their own credit union. Cha-Tel FCU still connects West Virginia members to honest savings, affordable loans, and online banking with zero big-bank static. Ready for a clearer signal on savings? Fluz rings in instant cashback every time you buy gift cards for groceries, gas stations, or your favorite apps, and rewards accumulate automatically. Put Cha-Tel's member-first rates together with Fluz's everyday earnings and you have a direct line to a healthier budget. That's a call worth answering for any Mountain State household.
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.