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... no monthly service charge or minimum balance required! 

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 a free account!  No monthly service charge or minimum balance requirement to earn cash back
  • First Pay. Get paid up to two days before your co-workers!**
  • Free debit card
  • Free Online Banking, Bill Payer, and Mobile Banking
  • Free Telephone Banking
  • Free ATMs nationwide via the CO-OP Network
  • Access to the CO-OP Shared Branching Network
  • Direct Deposit available

As an added bonus....

You're eligible to open our new CashBack Saver Account, which is a high-dividend savings solution! Each month you qualify in your CashBack Checking account, your Saver account will earn 0.50% APY*** on balances up to $25,000.  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 (PIN or signature-based.  ATM withdrawals don't count) post and settle to the account during the qualification period
  • Have at least one direct deposit or ACH auto debit post and settle to the account during the qualification period
  • Be enrolled in, receive, and review our free, paperless eStatement

What happens if I don't qualify one month?

There are NO penalties if you don't qualify.  Your account will remain free when you don't qualify and you can try again the next month!

Apply Now for your CashBack Checking Account!

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.

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