Every dollar(s) in qualifying purchases, net of returns, "Participant" transacts on their credit card account eligible in this Rewards Program ("Program") earns Participant Point(s) ("Point") as provided for in these Rules.No points are earned for finance charges, fees, cash advances, convenience checks, foreign transaction currency charges, or insurance charges posted to their account. Charges or transactions may be added to, or removed from, the above lists of eligible charges and transactions from time to time at the sole discretion of the Program. Any questions as to what constitutes an eligible charge shall be resolved at the sole discretion of the Program. Points for this Program begin to accumulate with purchases Participant makes beginning on the first day of the billing cycle in which their Program begins and ending on the last day of the last billing cycle of the announced duration of their Program.Points earned from net purchases and point adjustments made between billing statement cycles will be deemed as earned after being posted to Participant's next monthly statement.

Points will expire three years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (i.e., points earned in calendar year one will expire on the last business day of calendar year four.) 

Points may also be forfeited due to Rules violations.

The Points Program is void where prohibited or restricted by law.

Points can be used to order the awards described in the current brochure or the program website, which may be updated from time to time. Point requirements assigned to any award are subject to change from time to time without notice, and awards may be discontinued or substituted at any time. Award suppliers have agreed that, to the best of their ability, merchandise featured in this Program will be available in sufficient quantities to meet expected demand. However, there may be instances in which product demand exceeds supply, in which case the Program reserves the right to substitute a similar item of equal value or withdraw the offer for that product. If it is not replaced points will be refunded, and the Participant will be advised to make an alternate selection.

Accounts must be open and in good standing (not canceled or terminated by party; not delinquent, over limit, or otherwise not available to use for charges) at time of redemption. Awards are not available when a cardholder is in default under the card agreement. The sponsoring financial institution reserves the right to suspend the cardholder's participation in the program until the account is in good standing.

Awards will typically be shipped via a parcel delivery service or by the U.S. Postal Service and will generally ship within 2-3 business days of order received. On occasion, an item will be out of stock. You will be notified of this while placing your order. Once the item comes into stock, it will ship within 2-3 business days. Some items may be drop shipped directly from the manufacturer/supplier and may take 4-6 weeks for delivery, but most often those items ship within 10 business days. Drop-shipped items will be noted as such under availability. There will be no charge for Standard Delivery within the 48 contiguous United States. Shipments to Hawaii, Alaska and Puerto Rico are subject to additional shipping and handling charges as well as applicable taxes. There may be items that are in-eligible to ship to some locations. Shipments cannot be made to a post office box or outside the 48 contiguous United States and its territories, with the exception of APO/FPO addresses. If you enter an international non-APO/FPO address for shipments you will be contacted for an alternative address. A valid street address and home phone number are required to accept an order.

The program extends a 100% guarantee return policy for any item received damaged or defective providing that it is returned with all original packaging.

For items that are received damaged, recipient must notify Customer Service within 48-hours of delivery. For items that become defective within 30 days of receipt, customer service will provide a replacement. For items that become defective after 30 days of receipt, customer service will provide a ‘proof of purchase’ so the item can be serviced under the manufacturer warranty. Some manufacturers e.g. Apple, Troy-Built, HP, will not allow returns, but will provide exceptional warranty service. In these cases, the award recipient may receive instruction on how to obtain warranty service as opposed to a complete award replacement from the manufacturer. NOTE: Digital award items are not returnable. Because codes are “live” and e-mailed to recipients. The program is unable to return or exchange such digital products.

In Summary:

• Any item received damaged (report within 48 hours of receipt) or defective (report within 30 days of receipt) will be replaced.
• The award program participant must call Customer Service to report the issue.
• Customer Service will provide a Return Authorization number to the participant and return instructions.
• The participant should repackage the item in its original packaging and write the Return Authorization number on the box.
• Customer Service will authorize the delivery carrier to pick up the item.
• Once received at Program Award Headquarters, the return is inspected and entered into the system. A replacement order is entered. There is no cost to the participant.
• The replacement item will ship to the participant within 72 hours of the replacement order being processed (if in stock). An item that is not in stock will ship within 2-3 business days once it becomes available. Some items may be drop shipped directly from the manufacturer/supplier and may take 4-6 weeks for delivery, but most often those items ship within 10 business days. NOTE: Replacement orders are manual orders and will not appear on the website. The status of the original order will remain as shipped.
• If the original item is discontinued and there is no direct replacement, award points will be refunded to the participant.

Points in this Program cannot be exchanged for cash or credit, may not be used with any other offer, promotion or discount, cannot be combined with cash to obtain merchandise awards, cannot be earned from or transferred to or combined with any other account’s points for redemption and cannot be used to pay off any obligation on the cardholder’s account.

The program provides a variety of merchandise and travel redemption options. Merchandise includes selections from a variety of name brand merchandise from electronics, home goods, sporting goods, personal items. Travel includes domestic and international airline tickets, hotel stays, cruises, vacation packages, and rental cars. Be sure to use your card that's a part of this rewards program rather than using other cards, checks or cash.

You may redeem points for merchandise awards from the CURewards website. TO get there, log in to ECSFCU online banking, click on credit cards, click on rewards, and then the CURewards logo. To redeem your points on this website, follow these steps:

Step #1: On the home page, choose "Redeem Points" from the tool bar and select "Merchandise" and select from a variety of electronics, home goods, sporting goods, and personal items. Then add the desired merchandise awards to your shopping cart for redemption.

Step #2: When you have completed your selections, click on the "Proceed to Checkout" button to place your order on-line.

Step #3: Enter your name, shipping address and a telephone number and click "Submit Order" to submit your order. You will receive a confirmation number after your order has been submitted.

Step #4: Keep records of your order until you receive your award merchandise. Should you have questions regarding the status of your order or estimated shipping date, you may call Award Headquarters Customer Service, at 1-888-634-6318. Customer Service is available to assist you Monday-Thursday 8am-6pm CST and Friday 8am-5pm CST.

Awards will typically be shipped via a parcel delivery service or by the U.S. Postal Service and will generally ship within 2-3 business days of order received. On occasion, an item will be out of stock. Once the item comes into stock, it will ship within 2-3 business days. Some items may be drop shipped directly from the manufacturer/supplier and may take 4-6 weeks for delivery, but most often those items ship within 10 business days. Drop-shipped items will be noted as such under availability.

Travel awards include Airline tickets, Hotel accommodation, Car Rental, Vacation packages, Experiences, and Cruises that can be redeemed through the program Travel Agency. Simply click the "Travel" link on the menu bar at the top of this page. Should you have any questions concerning your travel plans or would like to speak with a travel agent, please call 1-800-637-7728 and a travel representative will be able to assist you. Hours of operation are:

7 days a week, 8:00 a.m. to Midnight EST, (5:00 a.m. - 9:00 p.m. PT) excluding holidays.

If viewing the rules in the browse feature you will not be able to see the specifics around your Financial Institution program offering. Please log in to your Financial Institution reward site and select the Travel Tab in order to view all travel options available within your program or call Montrose Travel at 1-800-637-7728 and a travel representative will be able to assist you. Hours of operations are:

7 days a week, 8:00 a.m. to Midnight EST, (5:00 a.m. - 9:00 p.m. PT) excluding holidays

Yes, we offer items that can be shipped to APO/FPO/DPO addresses. Not all items in the catalog will be eligible for APO/FPO/DPO delivery. Any item that is eligible will be indicated with the APO/FPO/DPO logo.

Additional costs, fees and taxes apply but will vary depending on the travel arrangements you select. If you would like more information about fees, charges, costs, and taxes, please contact a travel specialist for assistance.

Yes, you can make travel reservations for others but please ensure that the traveler information you enter during the booking process is an exact match to the travel documents that are required to fulfill the reservation (i.e. driver’s license, passport, etc.). Errors may result in delays and/or possible denial of the travel reservation.

To ensure receipt of your travel confirmation email, please ensure that the email address you provide at the time of booking is a current, valid email address. You may also want to check your spam/junk folder, if you have not added us to your safe senders list. If you still do not find your email confirmation, please contact a travel specialist for assistance at 1-800-637-7728. Hours of operations are:

7 days a week, 8:00 a.m. to Midnight EST, (5:00 a.m. - 9:00 p.m. PT) excluding holidays.

Depending on the travel supplier, you may still accrue rewards within their loyalty program. Please check with the individual travel supplier to confirm the rules of their program and confirm that your booking qualifies for the benefits offered within their program.