How can I earn Eco Points?

You'll earn Eco Points every time that you spend, send, and save, including:

Earning APY Rewards:

• Up to $100 APY Rewards – 14 Points per $ APY earned
• $100 - $200 APY Rewards – 7 Points per $ APY earned
• $200 - $400 APY Rewards – 3.5 Points per $ APY earned
• Above $400 APY Rewards - 1.75 Points per $ APY earned

Spending at supported merchants within the Eco app:

• 1.2 points per $1 spent

Paycheck Direct Deposit

• Payroll - Earn up to 4,000 Points accrued at 0.2 Points/$ deposited

Sending referrals:

• 800 points for every qualifying referral you make

Paying your bills:

• First $15k/month: 0.3 Points per $1 spent
• Next $25k/month: 0.15 Points per $1 spent
• Next $60k/month: 0.075 Points per $1 spent
• Over $100k/month: 0.0375 Points per $1 spent

Spending with the Eco Card:

• First $15k/month: 1.4 Points per $1 spent
• Next $25k/month: 0.7 Points per $1 spent
• Next $60k/month: 0.35 Points per $1 spent
• Over $100k/month: 0.175 Points per $1 spent

 Send with Eco:

• 50 Points for each person you send cash to in each calendar month. Every subsequent transaction to those users won’t earn you Points, but if they send cash back to you, they’ll earn 50 Points as well!
• 100 Points for sending more than $400 in a calendar month. This resets for a chance to earn 100 Points each month.
• 250 Points when you initiate a transaction and send cash to a user for the first time. 

Please note that you do not earn Eco Points when sending Points to other users. Transactions must be a minimum of $10 in order to qualify for the above Point values. Points are capped at 1,000 each month and will reset automatically