Go ahead...spend it like you mean it!
With Cash Back Checking, you’ll earn cash back on all those daily buys like groceries, coffee, gas, and whatever else you're into. Then, you can use that extra cash to save up and reach your money goals faster!
Everything you need:
- Earn unlimited cashback rewards on purchases using your debit card1
- Get paid up to two days early with Early Pay2
- Send and receive money with Zelle®
And nothing you don't need:
- No monthly service fee regardless of your balance
- Plus, you can skip the ATM fees3
Turn small spends into big wins!
With Members Choice Cash Back Checking, you’ll earn unlimited cash back on the stuff you buy every month—like groceries, coffee, or gas. This means more cash in your pocket, making it easier to budget and save up for the things you really want. And since there are no monthly fees, no direct deposit needed, and no minimum balance, you can spend without any stress.
Debit Mastercard® cashback rewards
Our debit card is free and has no limit on the rewards you can earn, so you can relax and see your cashback rewards grow as you use it for everyday spending.
Earn unlimited cash back rewards on all Debit Mastercard® purchases.
- Cashback rate is up to 0.10% on debit card related purchases — both in person and online1
- No cashback transaction limitations — unlike other options, there are no monthly purchase limits on your cashback rewards
- Cashback rewards are paid monthly
Plus these benefits
- No monthly maintenance fee
- Overdraft protection up to $600 with Choice Pay
- Debit Mastercard®
- Mobile and online banking
- Mobile wallet
- Direct deposit
- Bill Pay
- eAlerts & eStatements
- Unlimited check writing
- Send and receive money with Zelle®
- Access to over 55,000 ATMs worldwide
- ATM fee refunds (Members Choice and Foreign) up to $25/month
Have questions for one of our representatives?
Fill out the short form below to hear back within the next business day.
Are you ready to get rewarded?
Open a Cash Back Checking Account Online
Requirements
No minimum deposit to open
No minimum balance requirement
No direct deposit requirement
Debit Mastercard® (to receive the debit card rewards)
eStatements only
FAQs about Cash Back Checking
Zelle® is a fast and convenient way to electronically send and receive money with friends, family and others you trust, even if they bank somewhere different than you. You can use Zelle® to do things like gift people money, pay the sitter, or split the cost of a night out with friends. Zelle® is accessible for members with Members Choice Complete Checking®, Cash Back Checking and Student Saver Checking, and is available in your online and mobile banking account.
How do I enroll in Zelle®?
Step 1: Log in to the MCCU Houston TX app.
Step 2: In the main menu, select "Transfer and Pay". Then "Send money with Zelle®".
Step 3: Enroll your email address or U.S. mobile number.
How can I access Zelle®?
You can send, request, or receive money with Zelle®. To get started, log into the MCCU Houston TX app or online banking. In the main menu, select "Transfer and Pay". Then "Send money with Zelle®".
How do I use Zelle®?
To send money using Zelle®, simply select someone from your mobile device's contacts (or add a trusted recipient's email address or U.S. mobile number), add the amount you'd like to send and an optional note, review, then hit "Send." The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.
To request money using Zelle®, choose "Request," select the individual from whom you'd like to request money, enter the amount you'd like, include an optional note, review and hit "Request". If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.
To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Members Choice Credit Union account, typically within minutes.
If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:
-
Click on the link provided in the payment notification you received via email or text message.
-
Select Members Choice Credit Union.
-
Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification—you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.
- You recently set up direct deposit for the first time
- Your deposit type is not eligible, such as a bank-to-bank transfer
- There’s a payroll system issue from your payer
- You reached the transaction limit or monthly deposit dollar limit for early processing
- Early direct deposits also depend on timing—your payer must provide payment details on time so the deposit can process early. If your deposit doesn't arrive early, expect it to arrive on your scheduled payday
- Login to online banking
- Select eDocs from the Accounts menu
- Select the Delivery Preference you would like to change – either all accounts or just select accounts
- Select save
- Review and accept to the site terms
Looking for our personal checking options?
Explore Complete Checking
Explore Cash Back Checking
Explore Student Saver Checking
Perfect for students, ages 10-17, looking to have access to a debit card for purchases, manage their finances, and build a banking history. Learn more about Student Saver Checking
Disclosures
1 In order to receive the additional benefits as described herein for a particular monthly qualification cycle, you must receive monthly eStatements for the account.
Debit Cashback Rewards: If the account qualifications are met for a monthly cycle, you will be refunded a percentage of the total amount of debit card purchases posted to the account during that cycle. You will be refunded 0% if you perform nine or fewer debit card transactions during the cycle, 0.05% cash back on 10 to 49 transactions (calculated from first transaction), and 0.10% on more than 50 transactions (calculated from first transaction). There is no limit to the amount of cash back you receive in any monthly qualification cycle.
3 In order to receive the additional benefits as described herein for a particular monthly qualification cycle, you must receive monthly eStatements for the account.
ATM Fee Rebates: For any Cash Back Checking account, if you have met your qualifications during the monthly qualification cycle, we will reimburse you for ATM fees imposed during the monthly qualification cycle by our institution and other U.S. financial institutions. The maximum ATM fee rebate is $25 for one qualification cycle. ATM fee rebates will be transferred to the checking account. 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.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.