Cash Back Checking is a free checking account that rewards you for doing what you already do!
Do you use your Debit card? Of course you do! Online banking? Who doesn’t?! With Cash Back, we’ll pay you to do what you already do with 4% cash back on up to $225 worth of Debit card purchases every month. That’s $9 cash back! Get all the extra guac you want- it’s on us.
Simply make 12 signature-based Debit card purchases per month, and log into online banking at least once per month and you qualify for great rewards! Did we mention there are no penalties if you don’t meet your qualifications? You won’t qualify for cash back that month, but you can just try again next month!
- Free checking that pays you back
- 4.00% cash back on debit card purchases*
- No category restrictions on purchases
- Cash back earned on up to $225 in purchases monthly
- Earn up to $9 cash back per month
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
- Link to free Saver account to build savings automatically
- No monthly maintenance fee
- No minimum balance to earn rewards
- Free online banking & bill pay
- Free eStatements
- Free mobile banking
- Free debit card
- Free telephone banking
- $25 minimum deposit to open
Plus, watch your savings grow without lifting a finger when you add a Saver account.
Earn higher dividends and automatically save your Cash Back rewards in this free add-on savings account. The Saver account is linked to your Cash Back checking account, and any rewards you earn are automatically swept into Saver at the end of each rewards cycle.
Also, there are no additional qualifications for Saver (should you choose to add it to your Cash Back checking). Simply meet the monthly qualifications in your Cash Back checking, and you’ll earn the higher Saver rate!
Cash Back checking pays cash back on Debit card purchases as a reward for doing what you already do: using your Debit card and online banking! You'll earn 4% cash back on up to $225 worth of Debit card purchases per month. That's up to $9 per month! To qualify, simply use your Debit card to make 12 signature-based purchases per month, and log in to online banking at least once per month. That's it! If you don't meet the qualifications this month, don't worry- there's no penalty, and you can try again next time!
If qualifications are met: Earn 4.00% cash back on debit card purchases up to $225 ($9 maximum payout per month)
Qualifications: 12 signature-based Debit card transactions per cycle; log into online banking once per month; eStatements required.
Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means the current statement cycle. See Credit Union for specific Monthly Qualification Cycle dates.
Reward Information: When Cash Back checking qualifications are met during a Monthly Qualification Cycle, you will receive 4% cash back on up to a total of $225 signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $9 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Cash Back checking account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Cash Back checking account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Cash Back account on the last day of the current statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. When your linked Cash Rewards checking account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $40,000 in your Saver account earn an APY of 1.00% APY and average daily balances over $40,000 earn a dividend rate of .10% on the portion of the average daily balance over $40,000, resulting in a range from 1.00% to .38% APY* depending on the account's average daily balance. When your linked Cash Rewards checking account qualifications are not met, the entire average daily balance in the Saver account earns a dividend rate of .05% resulting in an annual percentage yield of .05% APY. Dividends will be credited to your Saver account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 04/01/2025.
Additional Information: Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open this account. A fee may apply if the account is closed within 90 days of opening. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our member service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Accounts insured up to $500,000. American Share insurance insures each account up to $250,000. Excess Share Insurance Corporation provides up to an additional $250,000 of insurance per account. This institution is not federally insured. MEMBERS’ ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT-SPONSORED AGENCY.