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Cash Back Checking Account

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:

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

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

Open an Account in a Branch

To apply in person, visit a branch near you.

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.

You may also visit the Zelle® enrollment page for more detailed instructions and FAQs. Congratulations! You're ready to start sending and receiving money with Zelle®. Next time you need to be paid back, ask for Zelle®!


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:

  1. Click on the link provided in the payment notification you received via email or text message.

  2. Select Members Choice Credit Union.

  3. 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.


Early Pay is a free, automatic feature for Members Choice Complete Checking® accounts. You don’t have to pay a fee to get paid early.

Members Choice often receives a message up to two days before your direct deposit to let us know that the money is on the way. When this happens, we can reduce the extra processing time to get your money in your hands sooner.
 
There are a few factors that impact the delivery of your direct deposit. You might get your direct deposit between two days earlier and on your regularly scheduled payday. Here are some reasons why you might not receive your deposit early:


  • 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
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).

Current Members Choice members, you can “Quick Apply” for a new Cash Back Checking account in online banking or your mobile app. Login(Opens in a new Window), and select the "Quick Apply" menu, then click on "Open an Account, CD or Loan" to get started.
 
 
 
 



 

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 Checking® 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 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

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 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.

Cash back is paid monthly and can be applied to any share or loan you see fit (except Mortgage or IRA).
 
2 Early Pay: Early pay is not dependent upon the account qualifications noted above. At our sole discretion, we may make your money available to you up to two days before we receive the funds from the payor. Early availability of direct deposits is dependent on the timing of your payor’s payment instructions and/or fraud prevention overlays. These limitations may be modified at our sole discretion without advance notice. We do not guarantee early availability of any direct deposits, and eligibility of a direct deposit for early availability may change between pay periods. Any direct deposit not posted early will be made available according to our Funds Availability schedule. We reserve the right to discontinue the service at our sole discretion and without notice.


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.