Earning Bernal Bucks Rewards with the Visa Debit card

For answers, click on the question you’re interested in.

What are Bernal Bucks?

If you live in Bernal Heights, chances are you spend a good portion of your money in the neighborhood. Local businesses know you have options. Bernal Bucks rewards you for shopping local. They are like frequent buyer miles for Bernal. The program also helps funding local causes. You earn Bernal Bucks by using our special Visa Debit card at participating businesses.

How do I get a Bernal Bucks Rewards Card to participate?

You register and apply for the Bernal Bucks Rewards Card here on this site. Please follow the direction for submitting the application. Once you received the card loaded money into your account, you’re ready shop with the card and earn Bernal Bucks.

Where do Bernal Bucks work?

You earn Bernal Bucks at participating businesses located in our neighborhood. They are listed here on the site. Check back often, as more businesses are joining. You can spend the Bernal Bucks Rewards at the same businesses. Also, look out for signs at the doors and windows.
Is there is business that you would like to accept Bernal Bucks? Suggest it here.

When will I get my card?

After successful submission of the card application, you will receive the Bernal Bucks Card in the mail in about 10 business days. In the meantime, you should establish a connection to an existing bank account of yours, so you can load the card with money to spend. If you have not received the card after two weeks, please check in with us.

Where can I use the Bernal Bucks card?

It is a VISA Debit card You can use it at all places that accept VISA. However, you will earn Bernal Bucks at the businesses in that participate in the program.

Is there enough money on my card?

As with any Debit card, they money is deducted directly from your card account. It needs to have sufficient funds for your purchases. You can check the available balance on the “My Summary” page. You can move money from your connected bank account to your card on the “Reload Card” page.

When is the money I loaded on the card available?

Typically, the money you moved to the card account is available for spending two business days after you initiated the reload (before 5pm).

How many Bernal Bucks do I earn when shopping local?

Each time you pay with the Bernal Bucks Rewards Card at a participating business, you earn 5% of the total amount in Bernal Bucks. For each $100 spent you will have earned 5 Bernal Bucks.

What is the card account behind the Bernal Bucks Rewards?

The Bernal Bucks Rewards Card is issued by Mission SF Credit Union. It is tied to an account that is maintained at this local institution.

Who is Mission SF Credit Union?

Mission SF Federal Credit Union is a cooperative based in Bernal with a mission to build individual and community wealth. Mission SF is an alternative to big banks, offering Bernal residents a way to invest in their community while getting better rates and lower fees on loans, credit cards, and savings accounts.

How safe is the money on the card?

The money you deposit on the card account is insured up to $250,000 by the government agency NCUA (the FDIC-equivalent for Credit Unions).

What if my card is lost or stolen?

If you need to report your lost or stolen, please call 800-523-4175 immediately.

Do I need to move my banking to the Mission SF Credit Union?

You can keep banking where you do it now. By obtaining the VISA Debit card used for Bernal Bucks Rewards, you become a member of Mission SF Credit Union, a truly local financial institution. You can move more of your banking to them, but you don’t have to.

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