CashBack Checking

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Free checking account? Of course.
Cash back account? Even better.

A good checking account makes it easy to manage your money and stay in control. A great account also eliminates fees and puts some extra money in your pocket.
Up to 3% back on your first $250 in monthly purchases*
No monthly maintenance fee or minimum balance requirement
Get reimbursed for other banks' ATM fees (up to $20/mo)*

Just taking care of business? That can put a little extra in your pocket.

Qualifying for cash back and ATM fee reimbursements is a breeze. All you need is:​
  1. 12 debit card purchases during each monthly cycle
  2. One direct deposit, bill pay, or ACH payment
  3. Enrollment in free eStatements
Simply do those three things each monthly cycle and you'll earn 3% cash back on your first $250 of debit card purchases – that's up to $7.50 in monthly cash back or $90 a year! We'll also reimburse you for up to $20 in monthly ATM fees charged by other banks.*

Don't worry – your CashBack Checking account is always free from a monthly maintenance fee and minimum balance requirement, no matter what.

2024 Cycle Dates for CashBack Checking

  • April 30 - May 30
  • May 31 - June 27
  • June 28 - July 30
  • July 31 - August 29
  • August 30 - September 27
  • September 28 - October 30
  • October 31 - November 27
  • November 28 - December 30

Banking with MECU Credit Union in Maryland means belonging to a local financial institution that invests in the Baltimore community and offers competitive rates on checking accounts.

*APR – Annual Percentage Rate. 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. 

See Truth In Savings for full disclosure.