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CashBack Checking

Get Cash Back Just For Using Your Debit Card!

With our CashBack Checking, each month that you qualify, you’ll receive 2% cash back on the first $500 in purchases using your debit card. Plus, the account is free.  

Here’s what you’ll get with CashBack Checking*

  • 2% Cash Back on Debit Card Purchases up to $500
  • Nationwide ATM fee refunds up to $25 each month you qualify
  • It's free! No monthly service charge or minimum balance requirement to earn cash back.
  • With First Pay, you can get paid up to two days before your co-workers**
  • Free debit card with privacy-protecting sleeve
  • Free Online Banking, Bill Payer, and Mobile Banking
  • Surcharge-free ATMs nationwide via the CO-OP Network
  • Access to the CO-OP Shared Branching Network
  • Direct Deposit

As an added bonus....

You're eligible to open our new CashBack Saver Account, which is a high-dividend savings solution. Plus, your CashBack rewards will automatically be deposited into your Saver, making it easier to save.

How do I qualify each month?

  • Have at least 12 debit card purchases (ATM withdrawals do not qualify) post and settle to the account
  • Have at least one direct deposit or ACH auto debit post and settle to the account
  • Be enrolled in and receive free paperless e-statements

What happens if I don't qualify during any one month period?

If monthly requirements are not met, ATM fees are not refunded and the account will remain free with no monthly fee or minimum balance required.

Apply Now for CashBack Checking.

The Fine Print

*See rate sheet for complete details.

**To qualify for First Pay you must have direct deposit into your Members First Credit Union checking account and be a member in good standing. First Pay offers immediate credit of your direct deposit to your Members First account up to two (2) days early based upon when we receive your payroll from your employer or payroll company. As the deposit is based upon when we receive the funds, Members First cannot assume any liability for not depositing these funds to your account early. This offer is subject to change without notice.

***To be eligible for a Saver Account, you must open a CashBack Checking account. If qualifications in CashBack Checking are met each monthly qualification cycle: (1) balances up to $25,000 in SAVER receive an APY of 0.50%; and (2) balances over $25,000 in SAVER earn 0.10% interest rate on portion of balance over $25,000, resulting in 0.50% - 0.18% APY depending on the balance. If qualifications are not met in CashBack Checking, all balances in the SAVER account will earn 0.05% APY.

Refinance Your Auto

Refinance Your Auto

We'll reward you with a 15% REBATE for the life of the loan!Learn More
Go Mobile

Go Mobile

Access your accounts from anywhere, at anytime.Learn More