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Cash Back Checking Account

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.
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Cashback for all debit card purchases

Earn unlimited cashback rewards on purchases using your debit card
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Get paid every month

Cashback is paid monthly to get you the best benefits
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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


  • $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

Join Online

Apply online now to open your membership account

Join in a Branch

Visit a branch to open your account
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 Open an Account or Loan menu, then click on “Quick Apply” 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 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 Student Checking

Perfect for students, ages 15-22, looking to manage their finances. Learn more about Student Checking


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.
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.