Cash Back Checking

Earn cash back and refunds on ATM withdrawal fees.*

Whether it’s a trip down to the grocery store, a tank of gas, or anything else, Cash Back Checking pays 3.00% cash back on your debit card purchases — up to $144 cash back per year!* You’ll also get cash back with refunds on your ATM withdrawal fees, nationwide — so every ATM becomes your ATM! Open your account online in minutes.

Benefits include:

  • 3.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $400 in purchases monthly
    • Earn up to $144 cash back per year, $12 per month
  • Refunds on ATM withdrawal fees, nationwide (up to $10 monthly)*
  • No minimum balance to earn rewards
  • No monthly service fee
  • FREE Online Banking and Online Bill Pay
  • FREE Mobile Banking
  • FREE E-Statements
  • FREE E-Alerts
  • FREE Telephone Banking (Access 24)
  • $100 minimum deposit to open

Here’s how easy is to earn rewards:

  • Have at least 1 direct deposit, bill pay, or ACH payment transaction post and settle
  • Have at least 10 signature-based or PIN-based debit card purchases, each greater than $10, post and settle
  • Be enrolled in and agree to receive E-Statements

And if you don’t qualify, don’t worry:

You still have a free checking account. And you can get right back to earning your cash rewards the very next cycle that you qualify.

*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. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, signature-based and PIN-based debit card purchases less than $10.00, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a calendar month, beginning first day of the month through end of business (6:00 pm CST) on the last day of the month. Reward Information: When Cash Back Checking qualifications are met during a Monthly Qualification Cycle, you will receive (1) 3.00% cash back on up to a total of $400.00 signature-based and PIN-based debit card purchases that post and settle to the account during that cycle period. A maximum of $12.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to an aggregate total of $10 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM 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 Cash Back Checking qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Cash Back Checking account on the last day of current statement cycle. Rates and rewards are variable and may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons may be required to meet some of the account’s qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA.