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Get a $2001 cash bonus when you open a CashBack or RewardChecking account

MECU Credit Union's checking accounts help you earn more. With our CashBack checking account, you can get 3% cash back on qualifying purchases. If you prefer an interest-earning checking account, our RewardsChecking account earns a healthy 5.00% APY on qualifying balances up to $10,000!

You'll enjoy: no monthly maintenance fee, no minimum balance requirements, and ATM reimbursement fees2 with every Debit Card swipe!

Qualifying for your $200 cash bonus is as simple as 1, 2, 3:
Establish direct deposit of at least $400
Complete 12 or more Debit Card purchases

Which checking account is right for you?

  CashBack Checking
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RewardChecking
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No monthly maintenance fees
No minimum balance requirement
Built-in rewards Up to 3% cash back on qualifying monthly debit card purchases2
Earn 5.00% 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
 

 

2023 Cycle Dates for CashBack and RewardChecking Accounts

Account Open Cycle Meet Promotion Qualifiers Validation/Bonus Payout
May 26 - June 26 June 27 - July 27 By Late August
June 27 - July 27 July 28 - August 28 By Late September


 

Disclosures
1 Eligibility 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 May 26, 2023. 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 5.00%, and portion of balance $10,000 and over earns 0.20% APY, resulting in 0.20% - 5.00% 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 May 26, 2023, 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 July 27, 2023. 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.

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.


2 CashBack Checking: Information accurate as of August 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. 

RewardChecking: Information accurate as of May 26, 2023, 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 5.00%, and portion of balance $10,000 and over earns 0.20% APY, resulting in 0.20% - 5.00% 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.