What is SIU's Write Rewards Program?

It is a incentive program to Thank our agents for their daily efforts in writing business with SIU.

Can anyone receive a Write Rewards Card?

Due to State law, you MUST be a Licensed Agent to receive a Write Rewards Visa Debit Card.

How do I receive my own Write Rewards Card?

All you have to do is write a qualified piece of business with SIU. Once you have bound your first piece of business, the card will be mailed to you with 3 weeks.

What is a "Qualified" piece of business?

A qualifying policy is defined as one placed in a non-admitted carrier in our Commercial Property & Casualty and Personal Property departments. If you are unsure and the your policy qualifies, please check with an SIU underwriter at the time of placement.

Is this for NEW & RENEWALS?

You bet it is! All qualified New & Renewals accounts apply .

How much Cash Credit do I get for each bound Commercial P&C account?

Qualified Commercial Property & Casualty placements will get a $10.00 per policy credit applied to the licensed individual's personal Visa Debit Card.

How much Cash Credit do I get for each bound Personal Property account?

Personal Property qualified placements will receive a $5.00 per policy credit.

How many qualified pieces of business can I write?

No maximum number of policies applies.

After I have received my binding confirmation, how soon will my card be credited?

Within 2-3 days. (depending on the weekend /holiday) .

How will I know that the money has been added to My Write Rewards card?

An email will be sent to you on each policy to verify that the qualified credit has been applied. You will also be able to go online to view all of the qualified accounts that you have written. Visit www.siuins.com/writerewards and click on "Sign in".

Will I receive a NEW card for every qualified account that I write?

No, Your Write Reward Visa Debit Card will be refilled each time you write a qualified piece of business.

Can I use my card anywhere?

The SIU Rewards Card holder debit card works like any regular Visa card and can be used anywhere Visa Debit Cards are accepted. Balance inquiry is easy via the web or a convenient toll free number. (866.326.8689) You can also use this card to add additional credit balance of your own.

Where do I call if I have a question about my card?

Call Card holder Customer Service: 886-326-8689 Email Card holder Customer Service: help@myecount.com (Also located on the back of your card) .

Where can I use my Write Rewards card?

You can use your card to purchase goods and services at any merchant that accepts Visa Debit Cards

Why is the word "Debit" on the front of my Write Rewards card?

In response to new Visa regulations, Issuers are required to label non-credit products with the term "Debit" after January 1, 2004. Although your card may have the word debit on it, you’ll avoid the PIN-based purchase fee by selecting "credit" and signing for your transaction.

Where can I withdraw cash?

You can use your card to withdraw cash from any ATM that bears the PLUS logo. Please note that there is a service fee for each withdrawal. This fee, along with any other fees assessed by the ATM machine associated with your ATM transaction, is automatically deducted from your balance. For a complete list of fees associated with your card, please refer to the Disclosures and Fees page.

How is my Write Rewards card different than a credit card?

A credit card gives you a line of credit, which you have to pay back. Conversely, this card is a debit card that is loaded with YOUR money. You can spend or withdraw the funds as you see fit, but you can't spend more than your current available card balance.

Will I receive a separate billing statement for my card?

All transactions that you make with your card are available online. When you want to double-check your transaction activity, simply log in to your account on the website. If you are not able to access your statement online, please contact Card holder Customer Service to find out if other statement options are available for your card.

Managing your card

How do I view my card activity online?

1. Visit the website (the address is printed on the back of your card) www.siuins.com/writerewards

2. Register at the site by providing a username and password.

3. Click the "My Account" icon on the top of your screen. Your card activity will be listed for your review.

What should I do if my card is lost or stolen?

Call our Card holder Customer Service Team immediately to report a lost or stolen card, and to order a replacement card. You can use the Customer Service number located on this page. If you report the lost or stolen card in a timely manner, you will not be responsible for any unauthorized charges per the Terms and Conditions.

How do I change my address?

If you have moved, or the billing address to which your card was mailed has an error, please update your information in your Account Profile on the website address found on the back of your card. If you need assistance updating your account information, please contact our Card holder Customer Service Team.

Does my card ever expire?

Yes. You can find the expiration date on the front of your card. If your card is about to expire, and is still active, you can obtain a new card (with an extended expiration period) by calling the Card holder Customer Service number on the back of your card.

How do I cancel my card?

If you wish to cancel your card, please contact Card holder Customer Service by using the address or telephone number provided on this page. The Customer Service number is also located on the back of your card.

Shopping with your card

Can I use my card to purchase goods and services?

You can use your card to purchase goods and services at any merchant that accepts signature based Visa debit cards. To complete a transaction, select "credit" as your payment option to indicate you will sign to authorize your transaction.

How do I use my card at self-swipe merchant locations?

At certain merchant locations (example: grocery stores), the merchant may require that you swipe your card yourself. On these occasions, make sure that you choose "Credit" as the payment option. Even though your card is a signature based debit card, you’ll avoid the PIN-based purchase fee by selecting “credit” and signing for your transaction.

Why does my card not work when I try to pay-at-the-pump?

To protect cardholders, we have disabled all cards at self-service pay-at-the-pump gas stations. Please note that while you can't pay-at-the-pump; you can still use your card at these locations by asking the attendant to process your card.

How do I shop online using my card?

Shopping online is easy. Just follow these simple steps:

(1) Select the items you want to buy;

(2) Proceed to "check out";

(3) Select Visa as your payment option;

(4) Enter your 16-digit card number, and the 3-digit Security Code (if required, it can be found on the back of the card and it is the last three digits printed in the signature panel), and your expiration date;

(5) Enter the billing address that you have associated with your card.

That's it. The merchant will process your transaction.

When shopping online, can I split a payment between my card and a credit card?

Only if the online merchant permits "split" payments. Please note however, that most online stores only accept one credit or debit/check card for payment. And since your card is processed like a Visa transaction, you likely won't be able to enter more than one card type to complete the transaction.

Can I spend more than my available balance?

No. You will not be able to spend more than your available balance. The merchant will decline your transaction. What if the amount of my purchase is more than my available balance? In this case, your purchase will be declined.

Why did my balance only decrease by $1 after I made a purchase at a merchant?

Often, online merchants do not immediately charge customers for the full amount of the purchase. Many will "authorize" (temporarily deduct) $1 from your balance for verification purposes. This is a routine practice that affects all standard credit and debit card users. In most cases, merchants that operate in this manner will debit your balance for the full amount of the purchase and return the "authorized" $1 to your balance. The merchant may take up to 30 days to return these funds to your account.

What if a transaction is not approved by an online store?

In the unlikely event that your transaction is declined by an online store, please make sure that you have done the following:

- Verified that the merchant accepts signature based debit cards

- Chosen "credit card" as the payment method

- Selected "Visa" Correctly entered your 16-digit card number

- Correctly entered your 3 digit Security Code (if required)

- Correctly entered your expiration date

- Correctly entered your name (as it appears on your card)

- Correctly entered your billing address (same address on file for your account)

- Not generated a purchase amount that is greater than your available balance

If these tips do not resolve your issue, please contact Customer Service by using the number printed on the back of your card.

Adding & Withdrawing Money

What ATMs can I use to access my funds?

You can use your card to withdraw cash at any ATM that bears the PLUS logo. Please note that there is a service fee for each withdrawal. This fee, along with any other fees assessed by the ATM machine associated with your ATM transaction, is automatically deducted from your balance.

How much money can I withdraw from my card at an ATM on a daily basis?

You can withdraw up to $400 per day, with a minimum withdrawal amount of $10. If your daily cash requirements are greater than these limits, contact our Customer Service team for adjustments. Please note, however, that certain ATMs have machine-imposed limits that may not allow you to withdraw the maximum daily amount.

How do I know how much money I have in my available balance?

You can check your available balance at this web site, or by calling Customer Service. Can I deposit money onto my card at an ATM? No. You cannot deposit money onto your card at an ATM.

Disputing charges

There is a duplicate charge marked as "Pending" on my account - can I dispute it?

No. Charges labeled as "Pending" will either settle or be automatically removed from your account within 7 days. We will only accept dispute forms for settled transactions labeled as "Spend" within your transaction history - any dispute forms received for "Pending" charges will be discarded.

There is an unfamiliar charge on my account - what should I do?

First, inform Ecount Customer Service of the unfamiliar charge by calling the number on the back of your card. Next, contact the merchant using the phone number provided in your account history. If you are still unfamiliar with the charge, contact Customer Service to file an Affidavit of Fraudulent/Unauthorized Use Form.

I would like to dispute a charge on my account from a known merchant - how do I proceed? If you wish to dispute a charge, first try resolving the matter directly with the merchant. If you are unsuccessful, contact Customer Service to complete a Merchant Dispute Form.

Security & Privacy

How do I know my personal and card information is secure?

All transactions with us take place on a secure server, and all of your personal and card information is encrypted using a Secure Socket Layer (SSL). We encourage you to carefully review our Privacy and Security Policies if you have further questions about these matters.

Will you divulge my personal information to anyone?

No. Ecount will not divulge your email address or other personal information to any third party without your authorization. Upon registering your account on the website, you can choose whether or not you want to receive communications from us or our partners. Please read our Privacy and Security Policies for more details. If a partner of Ecount provides your card, it may be necessary for Ecount and the partner to transfer your personal data between one another to setup and maintain your profile. Please contact the partner providing the card for more details.