Limited Time Only

Beyond Basic

Open an Account Learn More


Get $2001 when you open a CashBack or RewardChecking Account


It pays to have a CashBack or RewardChecking account at MECU. Our members get more: no monthly maintenance fee or minimum balance requirements, access to 30,000+ ATMs, ATM fee reimbursements2, and a top-rated Mobile App! Qualifying for your $2001 is a breeze:
Sign up for eStatements
Complete 12 debit card transactions
Establish direct deposit of at least $400


Compare our Checking Accounts

  CashBack Checking
Open an Account >
Learn More about CashBack Checking >
RewardChecking
Open an Account >
Learn More about RewardChecking >
No monthly maintenance fees
No minimum balance requirement
Built-in rewards Up to 3% cash back on qualifying monthly debit card purchases2
Earn 3.00% APY on up to $10,000 in qualifying balances2
Reimbursement of some ATM fees at non-MECU ATMs2
Free Visa® Debit Card
Free Online Banking and Bill Pay
Top-rated Mobile App with Mobile Deposit
Higher relationship rates on RealSaver account

 

2022 Cycle Dates for CashBack and Reward Checking

  • June 29 - July 27
  • July 28 - August 29
  • August 30 - September 28
  • September 29 - October 26
  • October 27 - Novermber 28
  • November 29 - December 28
  • December 29, 2022 - January 25, 2023
Disclosures

1Eligibility Requirements: This offer is valid for new consumer CashBack Checking and RewardChecking accounts. This offer is intended for new checking members only. You are not eligible for this offer if you are a current owner of a MECU consumer checking account as of August 30, 2022. Business and Fiduciary accounts are not eligible for this offer. Annual Percentage Yield (APY) for RewardChecking: if qualifications are met each monthly qualification cycle, balances up to $10,000 receive APY of 3.00% and portion of balance $10,000 and over earns 0.20% APY, resulting in 0.20% - 3.00% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY for that cycle; APY for CashBack Checking is 0%. Rate information accurate as of August 30, 2022, and subject to change without notice.

Bonus Requirements: To receive a $200 bonus, open a new, eligible MECU consumer checking account with a minimum opening deposit of $25 by November 28, 2022. All account applications are subject to approval. In the next checking cycle after account opening, complete the following qualifying activities: 1) receive a cumulative monthly total of $400 or more in qualifying direct deposits to the checking account; 2) complete 12 or more debit card purchases; and 3) enroll in paperless eStatements. A qualifying direct deposit is the member's salary, pension, Social Security, or other regular monthly income, electronically deposited through the Automated Clearing House (ACH) by your employer or third party. Enjoy an extra $200 with checking that gives you more. 

Bonus Payment: We will deposit the bonus into your new checking account approximately 30 days after validating all offer requirements have been met. The new checking account must maintain a minimum balance of $1 or more to receive any earned bonus payment. You are responsible for any federal, state, or local taxes due on the bonus, and we will report as income to the tax authorities if required by applicable law. Consult your tax advisor. If the checking account is closed within six months of account opening, MECU reserves the right to deduct the bonus from the account at the time of closing. Offer is non-transferable and cannot be combined with other offers. This offer is subject to change and may be discontinued at any time without prior notice. MECU membership eligibility required.

CashBack Checking: Information accurate as of 8/1/2022. Minimum to open account is $25. Account transactions and activities may take one or more days to post and settle to the account. All required transactions must post and clear the account during the Monthly Qualification Cycle in order to qualify for the account's rewards. Intra-bank transfers do not count as qualifying ACH transactions. Transactions posted after a specific cycle's qualifying period may be counted toward the subsequent cycle's totals. “Monthly Qualification Cycle” dates are outlined above. Reward Information: if qualifications are met each Monthly Qualification Cycle, you will receive 3% cash back on up to a total of $250.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back may be earned per Monthly Qualification Cycle. 
 
Reimbursements up to $20 for nationwide ATM withdrawal fees incurred during the Monthly Qualification Cycle in which you qualified. This checking account only. When CashBack Checking qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. 
 
Reward Checking: APY – Annual Percentage Yield. Information accurate as of 8/1/2022 and subject to change without notice.  Account transactions and activities may take one or more days to post and settle to the account. All required transactions must post and clear the account during the Monthly Qualification Cycle in order to qualify for the account's rewards. Intra-bank transfers do not count as qualifying ACH transactions. Transactions posted after a specific cycle's qualifying period may be counted toward the subsequent cycle's totals. “Monthly Qualification Cycle” dates are outlined on mecu.com. Reward Information: if qualifications are met each Monthly Qualification Cycle, balances up to $10,000 receive APY of 3.00% and portion of balance over $10,000 earns 0.20% APY, resulting in 0.20% - 3.00% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY for that cycle.

Reimbursements up to $20 for nationwide ATM withdrawal fees incurred during the Monthly Qualification Cycle in which you qualified. This checking account only. When RewardChecking qualifications are not met, ATM withdrawal fees are not refunded. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. 

See Truth In Savings for full disclosure.