No fee checking, plus debit card cashback rewards for your everyday spending
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.
Cashback for all debit card purchases
Earn unlimited cashback rewards on purchases using your debit card
Get paid every month
Cashback is paid monthly to get you the best benefits
ATM fees refunded
Up to $25 refunded in Members Choice and Foreign ATM fees each month
Explore Cash Back Checking*
- Cashback rate is 0.10% on all debit card related purchases
- Cashback is paid monthly and can be applied to any share or loan you see fit (except Mortgage or IRA)
- ATM fee refunds (Members Choice and Foreign) up to $25/month
- No cashback transaction limitations — unlike other options, there are no monthly purchase limits on your cashback rewards
- No monthly service fees
- No minimum balance requirements
Plus these benefits
- Visa debit EMV chip card
- Mobile and online banking
- Mobile wallet
- Direct deposit
- Audio response
- Bill Pay
- eAlerts & eStatements
- Check ordering
- Unlimited check writing
- Person-to-person payments
- Shared Branching and ATMs Worldwide
Requirements
- $25 minimum deposit to open
- eStatements only
Are you ready to get rewarded?
Open an account as a new member with one of these easy options
Current Members Choice members, you can “Quick Apply” for a new Cash Back checking account in online banking or your mobile app. Login, and click on the “Quick Apply” widget in the main navigation to get started (you may need to click on the “More” button to view).
FAQs about Cash Back Checking
Do you participate in Shared Branching with other credit unions?
Yes! Shared Branching is a network of 5,000+ credit unions who service each other's members. Simply present your Members Choice Credit Union Account/Member number and a valid government or state issued ID at any Shared Branch location and you can make deposits, withdrawals or loan payments. Policies and procedures differ at each location. Visit our locator page to find a shared branch or ATM near you.
Is my account information available 24-hours a day?
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.
What is SavvyMoney Credit Score?
SavvyMoney is a free comprehensive Credit Score program offered by Members Choice, that helps you stay on top of your credit. In your Online Banking portal, you can get your latest credit score and report, an understanding of key factors that affect the score, and can see the most up to date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how MCCU can help save you money. The program also monitors your credit report daily and informs you by email if there are any big changes detected such as a new account being opened, a change in address or employment, a delinquency reported, or an inquiry made. Monitoring helps you keep an eye out for identity theft as well.
How can I get a copy of my account statement?
You can retrieve a free copy of your account eStatement through Online Banking. If you are not set up for eStatements, please contact Member Services at 281.398.9900 or toll free 800.753.2428, or stop by one of our branches.
How can I sign up for Direct Deposit?
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).
Looking for other personal checking options?
Explore Cash Back Checking
Get rewarded with cash back on all of your debit card related transactions. Learn more about Cash Back Checking
Explore Basic Checking
A simple way to make managing your money easier. Learn more about Basic Checking
Explore Opportunity Checking
Second-chance checking for those with a less-than-perfect credit history. Learn more about Opportunity Checking
Explore Student Checking
Perfect for students, ages 15-22, looking to manage their finances. 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.
*Cash Back Checking Account Features
Account Qualifications. In order to receive the additional benefits as described herein for a particular monthly qualification cycle, you must receive monthly eStatements for the account.
Account Qualifications. 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 your 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.
Cash Back Checking. 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 your account during that cycle. There is no limitation to the amount of cash back you receive in any Monthly Qualification Cycle.