Penn South Cooperative Credit Union
Earn up to 1.5% cashback at Penn South Cooperative Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Penn South Cooperative 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.
Rooted in Chelsea's landmark Penn South housing cooperative, Penn South Cooperative Federal Credit Union brings community banking to Manhattan co-op residents and their neighbors. It offers savings and checking accounts plus consumer loans, extending the co-op's mutual-aid spirit into members' everyday financial lives.
In the heart of Chelsea, Penn South Cooperative Federal Credit Union proves that New York City banking can still feel like a neighborhood affair. Born from the famous Penn South housing co-op, it serves residents with accounts, loans, and advice grounded in cooperative values rather than Wall Street profits. City living is pricey, so here's your edge: use Fluz to earn cashback on dining, delivery, transit-day coffee runs, and retail therapy across Manhattan. Fluz rewards plus credit union dividends mean your dollars pull double duty. Cooperative housing, cooperative banking, and cashback: that's a very New York trifecta.
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.