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Cash Back Checking Account

Debit card cashback rewards for your everyday spending, plus no monthly service fees

With Cash Back Checking, you’ll be rewarded with cash back on all debit card related purchases. You can use your checking account rewards to grow your savings and move closer to achieving your goals.
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Cash back for all debit card purchases

Earn unlimited cashback rewards on purchases using your debit card – paid monthly to get you the best benefits1
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No monthly service fees

You’ll never receive a monthly service fee, regardless of your account balance
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ATM fees refunded

Up to $25 refunded in Members Choice and Foreign ATM fees each month2

Explore Cash Back Checking

Members Choice Cash Back Checking has no monthly fees, no direct deposit requirement, and no minimum balance requirement. Plus, you can earn unlimited cash back on your debit card purchases each month, and ATM fee rebates up to $25 monthly.

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 0.10% on all debit card related purchases – both in person and online
  • 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


Requirements

  • No minimum deposit to open
  • No minimum balance requirement
  • No direct deposit requirement
  • Debit Mastercard® (to receive the debit card rewards)
  • eStatements only

Are you ready to get rewarded?

Open a Cash Back Checking Account Online

Open an Account in a Branch

To apply in person, visit a branch near you.
Current Members Choice members, you can “Quick Apply” for a new Cash Back Checking account in online banking or your mobile app. Login, and select the "Quick Apply" menu, then click on "Open an Account or Loan" to get started.

FAQs about Cash Back Checking

 
You may access your account 24/7 via Online Banking, Mobile Banking and the Audio Response system. You may also speak to a live representative by calling 281.398.9900. Please be advised that when calling outside of regular business hours, live representatives have limited account access.
You can retrieve a free copy of your account eStatement through Online Banking. If you are not set up for eStatements,
  1. Login to online banking
  2. Select eDocs from the Accounts menu
  3. Select the Delivery Preference you would like to change – either all accounts or just select accounts
  4. Select save
  5. Review and accept to the site terms
If you have questions, please contact Member Services at 281.398.9900 or toll free 800.753.2428, or stop by one of our branches.
To sign up for direct deposit, please contact your employer's payroll department. You will need to provide them with the routing number 313083196 and your 13 digit account number. If your employer requires documentation for initial set-up, you may provide them with a voided check or download the Direct Deposit Instructions Form (PDF).
Yes, your Members Choice Debit Mastercard can be added to either Venmo or Zelle for quick, secure and easy payments to friends and family. Click here for instructions: Venmo and Zelle
 
 
 
 
 

Looking for our personal checking options?

Explore Complete Checking

Get paid up to 2 days early and earn a higher dividend rate when you sign up for direct deposit, make debit card purchases and more. Members Choice Complete CheckingTM also includes all of the benefits of Cash Back Checking, along with no monthly fee, and no minimum balance requirement. Learn more about Complete Checking

Explore Cash Back Checking

Earn unlimited cash back on your debit card purchases each month. Members Choice Cash Back Checking has no monthly fees, no direct deposit requirement, and no minimum balance requirement. Learn more about Cash Back Checking

Explore Student Checking

Perfect for students, ages 15-22, looking to have access to a debit card for purchases, manage their finances, and build a banking history. Learn more about Student Checking

Disclosures

If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval. 


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 qualification cycle for the Cash Back Checking account, you will be refunded .10% of the amount of debit card purchases posted to the account during that cycle. There is no limitation to the amount of cash back you receive in any Monthly Qualification Cycle.

Cash back is paid monthly and can be applied to any share or loan you see fit (except Mortgage or IRA).


2In 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.