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Earning rewards is easy with a Rewards Checking account from Centra. We give you points for the purchases you make every day! For every $2 you spend, you earn 1 point – no matter what you buy. With points that add up quickly, you’ll enjoy choosing from great rewards options including travel, merchandise, and gift cards.

Earn points with every purchase and choose your reward.

You already love how convenient your debit card is, but how much more would you love yours if it was rewarding, too?
Now, you’ll get more with every purchase. Every time you use your card, you earn points that reward you with exactly what you want.

Just make the same purchases you normally do:

  • Groceries
  • Gas
  • Pay Bills
  • Every purchase made with your card is earning points toward the rewards you choose

Our easy-to-use rewards website lets you keep track of your points, and shows you how to redeem them for fabulous rewards! From online shopping to once-in-a-lifetime trips… big screen TVs to big sporting events and concerts. From your favorite national stores to the local merchants you love.

Whatever you CHOOSE!

Just enroll now and use your debit card the way you normally would… then watch the points pile up. It’s time to find out just how rewarding using your debit card can really be!

If you’re a NEW Rewards Checking Member, visit and click Register in the New to uChoose Rewards section, enter your 16-digit card number, and follow the easy steps to complete registration.

You earn points even if you don’t register, but you will need to register to redeem your points!

Access to more than 5,600 branch locations

Our participation in the CO-OP Shared Branch network means convenience when, where, and how you want it. As our member, you can visit any of the more than 5,600 locations where you see the CO-OP Shared Branch logo, and conduct transactions just like you were at your home branch. Search locations

Nearly 30,000 surcharge-free ATMs

Now you can get cash surcharge-free at more ATMs than ever. Our members can visit any of nearly 30,000 ATMs that display the CO-OP logo. So whether you’re across town, or far from home for work or pleasure, you’re never far from your money. Search for ATMs

All the features you need

No minimum balance is required, and you receive all of this value for only $3 per month.

Better Borrowing

With a Rewards Checking account, the benefits just keep on coming!  This account makes you eligible for a 0.25%* discount on many Centra loans.

Open a Rewards Checking account today

Open online, contact us, or make an appointment that works with your schedule.

*Must be new money to Centra to qualify. Applies to personal loans closed at a Centra location. Not available on credit cards, mortgages, or lines of credit. Requires electronic payment from Centra account. Cannot be combined with other offers.
uChoose Rewards is a registered trademark of Fiserv, Inc.