Free Cash Back Checking

Call us crazy, but we think your checking account should pay you, and not the other way around. Free Cash Back Checking does exactly that.

You'll earn 3% cash back on your debit card purchases,* as well as unlimited refunds on your ATM fees!* Connect your account to Free Real Saver to grow your savings with ease. Open your account online today!

  • Free checking that pays you back!
  • 3% cash back on debit card purchases*
  • No category restrictions on purchases
  • Cash back earned on up to $300 in purchases monthly
  • Earn up to $9 cash back per month
  • Refunds on ATM fees nationwide (unlimited)*
  • Link to Free Real Saver account to build savings automatically
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking & bill pay
  • Free mobile banking
  • Free e-statements
  • Free MasterCard® debit card
  • Unlimited check writing
  • $50 minimum deposit to open


It's Easy to Get Your Rewards

Just do a few banking basics that you're probably already doing (we call them "qualifications"). To earn your rewards, simply do the following activities and transactions in your Free Cash Back Checking account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive e-statement notice
  • Have at least 1 direct deposit or 1 ACH credit post and settle

And that's all she wrote! Even if you don't meet your qualifications one month, your Free Cash Back Checking account is still free. And you can get right back to earning your rewards the very next month.

*No minimum to open. When monthly qualifications are met, you will receive 3.00% cash back on debit card purchases up to $300 that post to and settle account during monthly qualification cycle up to total cash back of $9 per monthly qualification cycle, as well as unlimited reimbursements on nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. Qualifying transactions must post to and settle account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed if qualifications are met within monthly qualification cycle. Transfers between accounts do not count as qualifying transactions. When Real Cash Back qualifications are not met, you will not receive cash back on debit card purchases and ATM fees are not refunded. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Phone (912) 564-7390