Bits of Stock™
Stock Rewards
We’ve teamed up with Bits of Stock™ to bring you a reward like no other. With ALLIANCE Checking, your everyday purchases don’t just buy the things you need, they give you real ownership.
That latte? Stock.
Your lunch? Stock.
Your groceries and gas? Stock.
There’s never been a more exciting way to spend. It’s time to invest in your daily routine!
Welcome to ALLIANCE Checking + Bits of Stock™!
What is Bits of Stock™?
Bits of Stock™ is a digital rewards platform that lets you earn fractional shares of stock through your everyday purchases. Instead of points or cash back, you’re gaining real ownership in companies you know and trust.
At ALLIANCE, our mission is to open doors through financial education and help our members make confident money decisions. Partnering with Bits of Stock™ is one more way we put that mission into action, turning your daily spending into an opportunity to learn about investing and grow your financial knowledge.
The best part? You’re using FREE rewards from ALLIANCE to explore the market and see how investing works, making ownership approachable for everyone. Whether you’re just starting out, building confidence with money, or adding to your experience, Bits of Stock™ makes it possible for members 18+.
With Bits of Stock™, your everyday purchases do more than get you what you need—they earn you stock rewards. Every swipe or tap with your ALLIANCE Debit Card helps you earn fractional shares of stock, giving you a fun, hands-on way to explore investing.
How Stock Rewards Work
Earning
Every ALLIANCE Debit Card purchase earns stock rewards that go toward any of our 10 curated stock options.
Thresholds
Each stock option accumulates rewards separately and reaches a $5 threshold before you can redeem.
Redemption
Once the $5 threshold is met, you have 90 days to redeem your rewards and add them to your portfolio.
Fractional Shares
Even small rewards count! Every redeemed reward automatically buys a piece of your selected stock, adding up to real ownership over time.
Sell & Trade
Once in your portfolio, you can sell, trade, or buy more stock during Market Hours—all through the Bits of Stock™ platform.
With Bits of Stock™, your everyday spending turns into tangible ownership. From grabbing lunch or a sweet treat to paying bills or picking up essentials, every purchase has the potential to earn stock rewards and bring you closer to your first shares.
Investment Options
With Bits of Stock™, you get real ownership in companies you know and trust.
Curated Stock Options: Start earning stock rewards with any of these 10 carefully selected stocks:
- Apple
- Coca-Cola
- META
- Amazon
- Nvidia
- S&P
- Walmart
- Procter
- Ford
Explore Even More when you Trade: Beyond the curated list, Bits of Stock™ offers popular options like Tesla, Microsoft, Disney, Nike, Starbucks, PepsiCo, Netflix, and Johnson & Johnson so you can diversify and explore companies that excite you.
Pick a Plan
With Bits of Stock™, there’s a plan for every member. Choose the one that fits your goals and start earning rewards with your ALLIANCE Debit Card.
Free Plan
Included with ALLIANCE Checking
- 0.5% Stock Rewards: Earn rewards on every swipe or tap and start building your first shares.
- Limited Monthly Trades: Up to 5 trades per month.
- Curated Stock Options: Earn rewards in any of our 10 curated stock options. Once redeemed, you can trade into any of the 1000s of stocks available on Bits of Stock™.
- $10 Monthly Stock Reward Cap: Enjoy steady rewards on your everyday purchases.
Premium Plan
$5.99/mo
- 1% Stock Rewards: Earn double the rewards on every purchase and watch your stock grow faster.
- Unlimited Trades: Full control to buy, sell, or trade your stock rewards anytime during Market Hours.
- Curated Stock Options: Earn rewards in any of our 10 curated stock options. Once redeemed, you can trade into any of the 1000s of stocks available on Bits of Stock™.
- $20 Monthly Stock Reward Cap: Maximize your rewards potential and earn more stock with each purchase.
No matter which plan you choose, everyday spending with your ALLIANCE Debit Card turns into real stock rewards, giving you a hands-on way to explore investing and ownership.
Want to Earn More?
Bits of Stock™ also gives you options to grow your portfolio beyond stock rewards. Explore Round-Ups and Self-Funded Investing to take ownership to the next level.
Round-Ups
- How They Work: Transactions are rounded up to the nearest dollar and the difference is automatically deposited into your default stock option.
- Frequency: Choose to have Round-Ups deposited daily or weekly—your choice!
- Multipliers: Boost your Round-Ups by 1x, 2x, 3x, or 5x to grow your portfolio even faster.
Self-Funded Investing
- Anytime Transfers: Add funds from your linked Credit or Debit Card whenever you want.
- Thousands of Stock Options: Choose from thousands of stocks to customize your portfolio and invest on your terms.
Whether it’s everyday purchases, extra funds you choose to invest, or rounding up your transactions, Bits of Stock™ makes it simple and exciting to explore investing and expand your ownership.
How to Get
Started
- Apply for a checking account that fits your credit profile: ALLIANCE Checking (for 561+ credit scores) or Revive Checking (for 500-560 credit scores)
- Log into your ALLIANCE Online Banking and navigate to the Bits of Stock™ section and follow the secure link.
- Open your Bits of Stock™ brokerage account. This step is required and must be completed before rewards can be earned.
- Start using your ALLIANCE Debit Card for every day purchases. Rewards are automatically earned with every swipe.
Earn Stock Rewards on everyday purchases!
Bits of Stock™ is a third-party rewards platform offered to eligible ALLIANCE Credit Union members with an active ALLIANCE Checking or Revive Checking account. Members must open a separate brokerage account with Bits of Stock™ to begin earning rewards. Only qualifying debit card purchases are eligible for rewards. Qualifying purchases exclude ATM withdrawals, teller-assisted transactions, ITM (Interactive Teller Machine) cash withdrawals, and any portion of a transaction designated as cash back. Stock rewards are calculated as a percentage of the purchase amount, excluding any cash back received at the point of sale.
Stock rewards are not insured by ASI/ESI or any government or government-sponsored agency. They are not a deposit or other obligation of, or guaranteed by, ALLIANCE Credit Union. They are subject to investment risks, including possible loss of the principal amount invested. ALLIANCE Credit Union is not a registered investment advisor or broker-dealer and is not responsible for investment outcomes. Participation in the Free Plan is included with eligible accounts. Upgrading to Premium is optional and requires a monthly fee paid directly to Bits of Stock™.
Program terms, eligible purchases, and stock options are subject to change. Rewards are subject to Bits of Stock™ terms and may be taxable.
