MERHO Federal Credit Union
Earn up to 1.5% cashback at MERHO Federal Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at MERHO 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.
MERHO Federal Credit Union is a Johnstown, Pennsylvania credit union offering checking, savings, auto loans, mortgages, CDs, IRAs, online banking, and mobile banking. Its philosophy centers on the credit union tradition of people helping people.
MERHO Federal Credit Union serves members in the Johnstown, Pennsylvania area with personal financial products and a cooperative service model. The credit union promotes checking and savings accounts, car loans, mortgages, CD and IRA options, online banking, and mobile banking through its MemberNet app. With branch information in Johnstown and Richland, MERHO FCU is positioned as a local credit union for households seeking both digital access and hometown service. Its public messaging highlights the credit union philosophy of people helping people, which fits members who value local support along with everyday banking convenience.
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.