Cash Back Reward Checking - Free Checking Account
Isn't it time you were rewarded for the things you already do? With a free Cash Back Reward checking account, you'll earn cash back on your everyday debit card purchases. Plus, there's no minimum balance to earn cash back and you'll get refunds on ATM fees.*
Features and benefits
- 3.00% cash back on debit card purchases*
- No category restrictions on purchases
- Cash back earned on up to $250 in purchases monthly
- Earn up to $90 cash back per year, $7.50 per month
- Refunds on ATM withdrawal fees*
- No monthly maintenance fee
- No minimum balance to earn rewards
- Free online banking and online bill pay
- Free paperless e-statements
- Free debit card
Qualifying is easy. Enrollments must be in place and all of the following transactions and activities must post and settle to your Cash Back Reward account during each Monthly Qualification Cycle:
- Have at least 12 debit card purchases post and settle
- Be enrolled in and agree to receive e-statements
- Be enrolled and log into online banking
If you don't qualify during the month, don't worry. There's still no monthly maintenance fee. Plus, you can get back to earning your cash rewards the very next monthly qualification cycle!
How to open a Cash Back Reward Checking Account
Get started and open an account today!
*There is a limit of one Rewards Checking account per member. No commercial accounts may participate in this program. The following features are unique to Rewards accounts: In order to earn the Qualifying Rate for the dividend period specified in the schedule above and to qualify for additional benefits as described herein for a particular monthly qualification cycle, High Interest Reward Checking and Cash Back Reward Checking accounts must satisfy the following requirements: 1) a minimum of 12 debit card purchases post to your High Interest Reward Checking or Cash Back Reward Checking account; 2) you receive monthly e-Statements for the account; and 3) you log into online banking at least once during the cycle. Please note that the transactions MUST actually post to your account during the monthly qualification cycle.
If the account qualifications are met for a Monthly Qualification cycle for the Cash Back Reward Checking Account, you will receive a cash rebate of 3.00% of the amount of debit card purchases posted to your account during that cycle, up to a maximum rebate of $7.50 per cycle.
Reward Savings accounts must be linked to a High Interest Reward Checking or Cash Back Reward checking account. If the linked checking account satisfies the qualification requirements for a monthly qualification cycle, the Reward Savings account will earn the qualifying rate for that cycle. Otherwise, the Reward Savings Account will earn the nonqualifying rate for that cycle. A qualification cycle begins on the first day of a calendar month and ends on the last day of the calendar month.
If you have met your qualifications during the Monthly Qualification Cycle, we will reimburse you for ATM fees, up to $25, imposed during the Monthly Qualification Cycle by our institution and other U.S. financial institutions. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable. ATM fee rebates will be transferred to your Reward Savings account if you have one.
Other membership fees may apply to your accounts. See our fee schedule for full details. Free checking offer excludes business checking services.
The National Credit Union Administration (NCUA), a U.S. government agency, insures your account up to $250,000 per member. When your accounts exceed $250,000, the maximum level of coverage provided through NCUA, you are also insured up to an additional $250,000. Your board of directors has chosen to provide this exceptional level of insurance through a private company. This supplemental insurance is provided by Excess Share Insurance (ESI) Corporation. ESI is a subsidiary of American Share Insurance, the nation's largest private deposit insurer for credit unions. Excess share insurance is available only to credit unions meeting the company's rigid requirements and standards of performance.