Business Rewards Debit Card

Running a business requires smart financial tools.

Bank of Utah's Business Rewards Debit Card offers the control you need to make purchases securely and conveniently — in-store, online or over the phone. You can also use it to access cash and make ATM deposits.

All this, combined with the opportunity to earn rewards on certain purchases, makes the Business Rewards Debit Card a valuable asset for your business.

Benefits

Make Business Purchases

With ease, anywhere Visa® is accepted, whether you're buying office essentials or fueling your fleet at a gas station.

Gain Real-Time Insights

With easy-to-use online and mobile banking, you can monitor your account activity and stay on top of your finances.

Enjoy Payment Flexibility

With the addition of your debit card to your mobile wallet, you can turn your smartphone into a secure payment tool.

Shield Your Money

With a range of safety tools and features built into your card plus fraud liability, you can be confident that your money is secure.

Tap to Pay

With contactless payments, enjoy a secure, fast way to pay that keeps up with your busy lifestyle.

Earn Rewards

With UChoose® Rewards, a complimentary program that lets you redeem points for supplies, travel, electronics and more.





How Do I Get a Bank of Utah Business Rewards Debit Card?

Compare

Research our business checking account options to find the perfect fit for your business.

Apply

Complete a checking account application online or in a branch, and request a debit card during the process.

Activate

Enable your debit card when it arrives in the mail, and start using it for your business purchases and transactions.



Get Started with UChoose Rewards

 

Once you have your Bank of Utah Business Rewards Debit Card, sign up for UChoose Rewards and start earning points. Here's how:

  • Register Your Debit Card: It's quick and easy through the UChoose portal.
  • Start Earning Points: Use your registered card for purchases. You'll earn 1 point for every $2 spent, when you select credit and sign for your purchase. This is known as a non-PIN purchase. Most online and phone purchases are also non-PIN.
  • Boost Your Rewards: You can earn additional points for shopping at participating in-store and online retailers.

Register Today


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Frequently Asked Questions

 

Q. What is the difference between a debit card and a credit card?

A. Debit cards and credit cards offer convenient ways to make purchases without cash, but they work in different ways.

A debit card comes linked to your checking account and acts like a digital check, drawing money from your checking account immediately at the time of purchase or withdrawal. This means you can only spend what you currently have available.

Credit cards, on the other hand, require you to apply for them separately and act as a line of credit. You borrow money from the bank up to a set limit and have a period to pay it back in full without incurring interest.


Q: Who can have a business debit card?

A. Any employee of your business can have a debit card. However, an authorized signer on the business account must request it and complete the necessary paperwork.


Q. How many debit cards can my business have?

A. There's typically no set limit on the number of debit cards a business can have. However, each card needs to be assigned to a specific person, and that person can only have one card linked to the same business account.

To determine the exact number of cards you'll need, consider how many people require card access for business expenses.


Q. How do I get multiple debit cards for my business account?

A. Any authorized signer on your business account can request additional debit cards. You can visit any of our branches to do this.

If you need a card for an employee, you'll need to provide their personal information, including their date of birth, Social Security number, and a copy of their driver's license.


Q. How is my card protected from fraud?

A. Bank of Utah is committed to keeping your cards safe. We provide EnFact fraud protection, a built-in feature that monitors your card activity and alerts you of suspicious purchases. This proactive tool helps protect your account around the clock.


Q. How do I select or change my PIN (Personal Identification Number)?

A. You can select your PIN when calling to activate your debit card or you can call Bank of Utah at 801-409-5000 and choose Option 1 for debit cards.

You can change your PIN by calling 1-800-992-3808 (toll-free) or by calling Bank of Utah. You can also change it at a Bank of Utah branch ATM.


Q. What's the difference between a PIN purchase and a non-PIN purchase, or signature purchase?

A. Your debit card offers two ways to make purchases: PIN and non-PIN, also called signature. Choosing "debit" at checkout allows you to enter a PIN, similar to using an ATM.

However, some merchants may offer a "credit" option where you sign a receipt instead. Remember: UChoose Rewards requires most purchases to be processed as signature transactions to qualify for points. Online and phone purchases typically are considered signature transactions.

 

Get Expert Assistance

Our friendly branch representatives can assist you with any debit card needs or questions.

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