ESL Federal Credit Union
Earn up to 1.5% cashback at ESL Federal Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at ESL Federal 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.
ESL Federal Credit Union is a Rochester, New York financial institution offering personal banking, business banking, wealth management, checking, savings, loans, mortgages, credit cards, and digital banking. It serves members and businesses with locally focused financial services and community-oriented support.
ESL Federal Credit Union supports members in the Rochester area with personal and business financial services. Offerings include checking and savings accounts, credit cards, consumer loans, mortgages, business banking, wealth management, online banking, and mobile access. Members can manage deposits, payments, borrowing, and financial planning through ESL�s local service model and digital tools. When eligible, use Fluz to earn cashback on qualifying purchases, stack rewards with your preferred payment method, and make everyday financial spending more valuable.
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.