South Carolina Federal Credit Union has created a sticky debit card situation, and the credit union and its members love it. In March, the $1.3 billion credit union launched a debit card rewards program through its online banking partner Intuit Financial Services. The program, called Simple Perks, offers rewards in the form of merchant-funded cash-back discounts to members who use South Carolina FCU online banking and the CU's debit card. The program is merchant-funded so stickiness doesn't cost the credit union much, Beth Jaskiewicz, CME, SVP/marketing for the 140,000-member credit union, notes. Merchants, who choose to participate, commit to offer a certain amount or percentage of cash back from purchases made using the debit card at their location, or on their Web site.