How do I earn Cash Back with my Personal Checking account?

Earning Cash Back with your Rewards Checking account is simple:

Rewards Checking:

To qualify for Cash Back Rewards, you must:

1. Receive at least $2,500 in Qualifying Direct Deposits

Or

2. Maintain an average monthly balance of at least $2,500 in your account.

Cash Back is then available on Qualified Purchases made with a Rewards Checking debit card. See below for the definition of Qualified Purchases. By meeting these criteria, you’ll be eligible to earn 1% cash back on Qualified purchases.

Member Rewards Checking:

To qualify for Cash Back Rewards, you must:

1. Receive Qualifying Direct Deposits of $1,000 or more into your account

OR

2. Maintain an average balance of $1,000 or more in your account.

Cash Back is then available for Qualified Purchases made with a Member Rewards Checking debit card.

Qualified Purchases are defined as Signature-based purchases made using the debit card tied to an Eligible Account. These are “credit” purchases that can be made in stores and online. To make a signature-based purchase, select “credit” rather than debit at point-of-sale kiosks. The “credit” option is most often pre-selected when making purchases online using a debit card. Online subscription payments may not be considered signature-based purchases. The payment transaction type (signature-based or other) is ultimately decided by the merchant and is based on how the transaction is transmitted at the time of processing. Qualified Purchases do not include: (1) any goods or services purchased that are returned or otherwise credited to your Eligible Account; (2) unlawful purchases; or (3) purchases of currency, cash, or cash equivalents (including, without limitation, currency from the U.S. Mint, Travelers Checks, gift cards, cryptocurrency, casino chips, peer to peer payments, prepaid debit cards, account openings, loan payments, or other cash equivalents).

Tip: When shopping in-store, select “credit” instead of “debit” at the point-of-sale where available to ensure you receive the cash back. The cash back you earn will automatically be credited to your account at the end of the month following the earning period.

To learn more about Cash Back Rewards, including what is considered a Qualifying Direct Deposit, please visit the Rewards Checking page or Member Rewards Checking page.