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UChoose Rewards® Loyalty Program FAQs

What is the UChoose Rewards® Loyalty Program?

The UChoose Rewards® Loyalty Program is FREE for personal Macatawa Bank Rewards Debit Card holders. Earn Reward points when you open select new products and services from Macatawa Bank. Plus, every time you shop with your personal Macatawa Bank Rewards Debit Card, you will earn points for all signature-based credit transactions. Reward Points can be redeemed at for millions of items such as gifts cards, merchandise, travel experiences, event tickets and much, much more – even cash!

REMINDER: To start earning points, you must first register your personal Macatawa Bank Rewards Debit Card at

How do I register my Personal Rewards Debit Card?

Visit and click on the REGISTER link. Once you have registered your personal Macatawa Bank Rewards Debit Card number, you will be able to create a User ID and Password. This will allow you to visit the website anytime to view your points, shop and redeem!

How much does it cost to participate?

There is no cost. Membership in the UChoose Rewards® Loyalty Program is absolutely free for personal Macatawa Bank Rewards Debit Cardholders.

Do I have to get a new debit card to benefit from this new UChoose Rewards® Loyalty Program?

No. All existing and new personal Macatawa Bank MasterCard® Debit Cards are now considered “Rewards Debit Cards” and can earn rewards points for all signature-based credit transactions. Health Savings Account Debit Cards are excluded from registering.

How do I earn points?

Earn 1 point per $2 for each signature-based “credit” transaction. Earn additional points by shopping with participating retailers in-store, or online at Earn even more points when you open select products & services with Macatawa Bank! Your Rewards Debit Card must be registered at within two (2) statement cycles of opening accounts that are eligible for Loyalty Rewards points, in order to earn those points. If your Rewards Debit Card is already registered, your Loyalty Rewards points will be awarded as points are normally added. Points will not be rewarded for PIN, ATM, or cash advance transactions.

What is a signature-based “Credit” transaction?

A signature transaction utilizes the MasterCard® portion of your card. All you have to say to the merchant is ‘credit please’ and sign for your purchase. Easy!

When can I start redeeming my rewards points at

You must accumulate 1,500 points before you can redeem your points. It can take up to two (2) statement cycles for your points to be made available for redemption on your account.

What if I have more than one Debit Card tied to my checking account?

If an account (checking) has two or more Debit Cards associated with it, all points earned by either card are combined – or pooled – in the account. While points earned are pooled, each cardholder can create a separate login on the UChoose Rewards website. Each cardholder can see all activity for both cards, and is able to redeem from the total point pool.

When do my points expire?

Reward points expire 2 years from the date of your purchase transaction. View a summary of your point earning history and the expiration dates on the Points Details page at

What will happen to my points if my card is lost or stolen?

If your card is lost or stolen and a replacement is issued, your points will automatically be transferred to the new card. Once you receive your new card, you will need to register the new card at

What if I have another question?

If you have any other questions not answered here, please contact Macatawa Bank by phone at 1-877-820-2265 or by email at




TERMS & CONDITIONS APPLY.  To learn more refer to the uChoose Rewards Terms & Conditions at

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