Dowagiac Area Credit Union
Earn up to 1.5% cashback at Dowagiac Area Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Dowagiac Area 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.
Organized in September 1972 by Sundstrand employees, Dowagiac Area FCU is a member-owned cooperative on East Division Street serving townships across Cass and Van Buren counties in southwest Michigan. With about $23.8 million in assets and roughly 1,800 members, it offers checking, savings, mortgages, home equity loans, and free online banking.
What started with a handful of Sundstrand employees in 1972 has grown into a trusted financial home for families throughout Wayne, Pokagon, Silver Creek, Decatur, and neighboring Cass and Van Buren county townships. Dowagiac Area FCU keeps things simple with free 24/7 online banking, bill pay, and hometown mortgage and home equity options. Make every swipe count: use your Dowagiac Area FCU debit card for local shopping, and when you load funds or check out through Fluz, you'll earn cashback rewards stacked right on top of the credit union's already member-friendly rates, small-town banking with a modern rewards edge.
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.