Use your money to earn more money. It’s as simple as opening a free Cash Back Checking account at Greater Nevada Credit Union, with no monthly service charge and minimum balance required. Plus, you have the option to earn up to $5 in monthly cash back rewards from purchases with your GNCU Visa debit card and up to $9 in out-of-network ATM fee refunds when you meet simple monthly qualifications.1
Free Cash Back Checking Account
Earn Great Cash Back Rewards
Upgrade Your Checking and Earn $250*
Think of us as a bank owned by people like you, not shareholders. That means more of the value comes back to you, not to someone else. It’s easy to earn the bonus:
1. Use promo code GNCU250 when joining GNCU as a new member by opening a Share Savings account (also known as your membership account) and your new Aspire Checking, Cash Back Checking, or Connect Checking account.
2. Establish a direct deposit, enroll in Digital Banking, and enroll in eStatements within 60 days of joining.
3. Make sure all of your GNCU accounts remain in good standing. That’s it!
Already a GNCU member? While this offer isn’t available to you, your immediate family can cash in by joining as members too!
Cash Back is the Highlight, but it’s Also Just the Beginning
With a free Cash Back Checking account, you’ll enjoy all these perks.
No Monthly Service Charge and No Minimum Balance Required
This account is free to you with no monthly service charge (even if the monthly qualifications aren’t met), and no need to maintain a minimum balance in any of our checking accounts (but we recommend keeping a healthy amount in yours anyway).
Up to $60 Cash Back Each Year & ATM Fee Refunds
Want to go a step further and score the rewards? Meet the simple monthly qualifications to earn up to $5 each month (based on 2% cash back on purchases on the first $250 spent with your GNCU Visa debit card) and up to $9 in out-of-network ATM fee refunds.
Every Card Purchase Counts
Unlike elsewhere, both PIN (debit) and signature (credit) purchases with your debit card qualify towards the monthly qualifications.
Safe & Secure Digital Banking
We understand that you don’t always want to make a trip to a branch. That’s why we made banking online and through our mobile app easy to use so you can bank anytime, anywhere you’d like.
Nationwide ATM Access
We partner with other credit unions and ATM providers to extend your access to offer fee-free transactions at over 30,000 ATMs across the U.S. through the CO-OP Shared ATM network.
Always On Patrol
Rest easy knowing we actively monitor all member accounts for fraud with help from Falcon Fraud. Your GNCU Visa debit card can be directly managed through Card Controls found in Digital Banking, and it also comes with coverage under Visa’s Zero Liability Policy.2
How to Qualify for Cash Back Rewards
To be eligible for the cash back and out-of-network ATM fee refund rewards that come with a Cash Back Checking account, simply do the following during each monthly qualification cycle:
- Have at least nine debit card purchases post and clear;
- Have at least one direct deposit post and clear; and
- Be enrolled to receive online eStatements.
As with all GNCU rewards checking accounts, if you don’t meet the requirements during one monthly qualification cycle, then no rewards will be earned. But don’t worry! You can get back to earning the rewards in the very next monthly qualification cycle.
Learn more about other checking accounts available through our credit union.
Student Cash Back Checking
Calling all students: this special Cash Back Checking account was designed just for you with no minimum balance requirement, no monthly service charge, and the ability to earn cash back each month.
What is a cash back checking account?
What is the difference between cash back and reward checking accounts?
Is there a debit card that earns cash back?
Cash Back Checking is Calling Your Name
Open a Cash Back Checking account today online or at your local branch–or use our handy comparison chart to find another checking account that offers the advantages you need.
* Membership/ownership with Greater Nevada Credit Union (GNCU) is open to anyone living or working in any of Nevada’s 17 counties and members of their immediate family. The $250.00 checking bonus is available only to qualified individuals who join as new members by opening a Regular Share Savings account and their first checking account (Aspire Checking, Cash Back Checking, or Connect Checking only) using promo code GNCU250. Member must request the offer at account opening. No minimum deposit required. The following qualifications must be met within 60 days of opening: At least one direct deposit received, enrolled in Greater Nevada Digital Banking, enrolled to receive electronic statements (eStatements), and all accounts must remain in good standing. The bonus will be deposited into the member’s GNCU checking account within the first two weeks of the third calendar month after the account is opened, after the initial 60-day period has passed and all qualifications have been met (example: qualified April account openings will have payouts between July 1-14). Membership eligibility, a $5.00 application fee, and a minimum $5.00 Regular Share Savings account balance are required for a new membership with GNCU. All accounts are subject to approval. Not to be combined with other offers. Program offers are subject to change or cancellation without notice except as required by law.
1 Up to $5.00 in cash back monthly based on 2.00% cash back on all signature and PIN-based debit card purchases on the first $250.00 in point of sales transactions per month when qualifications are met. Other rewards received when monthly qualifications are met include up to $9.00 in out-of-network ATM fee rebates. Proof of ATM fees of $5.00 or more may be required to process the fee rebate. For rebates of individual ATM fees of $5.00 or more, please visit a GNCU branch or call the Member Resource Center at (800) 421-6674. Monthly qualifications are 9 debit card purchases must post and clear, at least one direct deposit received, and be enrolled to receive electronic statements (eStatements). “Qualification Cycle” means a period beginning one day prior to the first of the month and ending one day prior to the last day of the month (ex. July 31 – August 30 for August statement). Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Membership requirements apply. Available to personal accounts only.
2 Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact GNCU for more detail.