Prize-Linked Giving is a fun, new program that allows cardholders like you to support your favorite organizations with the chance to win one of thousands of prizes each time you make an eligible purchase on an enrolled EPFCU SMARTREWARDS Mastercard or EPFCU Mastercard Debit Card.

Entrants agree to automatically round up eligible purchases to the next dollar for the chance to instantly win a prize. 50% of each Round Up will be allocated toward the prize pool, with the other 50% allocated toward a charitable contribution. There is a free, alternate method of entry that does not require a purchase. However, free entries don’t add to the prize pool! For more information on Alternative Method of Entry (AMOE) visit the “Do I have to make a purchase to participate” section below.

During the Promotion Period, an eligible entrant may enter this Promotion by using his/her/their EPFCU SMARTREWARDS Mastercard or EPFCU Mastercard Debit Card to make a qualifying purchase (“Payment Card Entry”). Entries are evidenced by a “Game Piece”.  Each entrant will receive one “Game Piece” per qualifying purchase. A qualifying purchase is a purchase that has been processed and accepted by the merchant and has been authorized by the entrant to be rounded up to the next dollar; 50% of which will be allocated toward the prize pool, with the other 50% to be allocated toward a charitable contribution. No purchase is necessary to enter.  Please visit Official Rules, or the “Do I have to make a purchase to participate” section below, for full Promotion terms and the means of alternate, free method of entry.

100% of your change will be donated to United Charitable, which is a globally recognized United States 501(c)3 public charity with Federal Tax ID #: 20-4286082 and rated 5 out of 5 Stars by Charity Navigator. United Charitable is the primary beneficiary of all contributions generated through this promotion and disburses the appropriate contributions to the organization you’ve chosen, once per month.

Yes! You may change the organization you’d like to direct your funds toward via your user dashboard. Any changes will go into effect at the end of the month.

Each time you make a qualified purchase or complete an Alternate Method of Entry, you receive one “Game Piece”. If that Game Piece is an instant winner, you will be notified immediately via text-message and email at the phone number and email address you provided upon registration. If you didn’t provide and/or confirm your phone number upon registration, you will receive an email notification for all instant winners.

All prize notifications will be accompanied with step-by-step redemption instructions depending on which prize you win.

Certain prizes do have expirations associated with redeeming and using them. For digital gift cards, expiration details will be disclosed at the time of redemption.

No. Although the spirit of this program is to raise dollars for charity via a fun and engaging purchasing experience, no purchase is necessary in order to win. For eligible cardholders who wish to enter via an Alternative Method of Entry (AMOE), you may fill out our AMOE Form once per day. Each qualified AMOE entrant will receive 1 Game Piece per form. AMOE winners, if any, will be notified once per month of the Promotional period. You may<a value="https://docs.google.com/forms/d/1CSZJdsJ07_Zp06uAsfevLyc9OIsuCmeM5N6nw-knAAE/edit" label="" type="url" href="https://docs.google.com/forms/d/1CSZJdsJ07_Zp06uAsfevLyc9OIsuCmeM5N6nw-knAAE/edit" target="_blank" data-runtime-url="https://docs.google.com/forms/d/1CSZJdsJ07_Zp06uAsfevLyc9OIsuCmeM5N6nw-knAAE/edit"> fill out your AMOE online once per day.

When you link your eligible payment card, we automatically “Round Up” each of your qualifying  transactions to the next dollar amount. For example, if you spend $17.83 at a restaurant on your linked payment card, we will automatically add 17 cents to your purchase. 50% of each Round-Up will be allocated toward the prize pool, with the other 50% allocated toward a charitable contribution.

The Prize-Linked Giving Program runs in accordance with the following Terms of Service.

To ensure you can easily find and manage your monthly contributions, we do not immediately deduct your spare change each time you make a qualified transaction. Instead, we’ll tally up your change throughout the month and charge your card with a single transaction for your accrued lump sum of Round-Up change.

Yes, 100% of your contribution will be tax deductible! You will receive an automated receipt which will include the tax deductible language associated with the 100% of the transaction that was allocated as a charitable contribution, after your donation is processed each month; please keep a copy for your records.

A monthly minimum donation of $0.99 will be charged to your linked card if any of the following conditions are met: (1) If your monthly round-up change accumulation is less than $1.00. (2) If we lose our connection to your registered card. This can occur if EP Federal Credit Union issues you a credit card with a new PAN number for any reason (ie. lost or stolen cards).

No! That’s the great thing about rounding up: our system will automatically round up and issue game pieces for all eligible purchases on your connected card until you’ve reached the monthly limit you set upon registration.

We designed the program to raise funds passively and responsibly by providing a gratifying giving experience that scales up or down as you spend. Once you reach your maximum Round-Up cap for each calendar month, we will stop accruing Round-Ups from qualified transactions until the next calendar month begins.

Yes. You can link any eligible active EPFCU SMARTREWARDS Mastercard or EPFCU Mastercard Debit Card which you frequently use.

Note: Not all transactions made with your registered card (including PIN-based transactions, payment through a third-party digital wallet or payment app) can be monitored for Round-Ups. Do not use a PIN when making purchases if you want the transaction to be eligible for the Prize-Linked Giving program. See Terms of Service for more details.

If you would like to unregister from the Prize-Linked Giving program and stop rounding up your purchases, follow these steps to remove your linked card:

1. In your dashboard, tap Program Settings in the navigation menu.
2. Select settings wheel on the program you are participating in.
3. Select the "Stop Supporting" option to unenroll.
4. Confirm that you would like to stop supporting Round Up, Give Back
5. Once confirmed, you will receive an email.

You may access historical transactions and/or re-register your Payment Card at any time.

The security of your information is of the highest concern. The system uses bank-grade security to handle all sensitive financial data. Online banking credentials are never stored on the system. All data is secured with SSL encryption and multi-factor authentication to ensure unwanted access is prevented.

Review our privacy policy.

You can see your donation history by logging into your account and viewing your donation history. Login to your account.