cash back checking account

Cash Back Checking Account

Earn Great Cash Back Rewards

Use your money to earn more money. It’s as simple as opening a Cash Back Checking account at Greater Nevada Credit Union, which lets you earn up to $120 per year (or $10 per month) back on qualifying purchases–plus monthly out-of-network ATM fee refunds and no minimum balance required.1

Cash Back is the Highlight, but it’s Also Just the Beginning

With a Cash Back Checking account, you’ll enjoy all these perks.

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Up to $120 Cash Back Each Year & ATM Fee Refunds

Meet the monthly qualifications to earn up to $10 each month (based on 1% cash back on purchases on the first $1,000 spent with your GNCU Visa debit card), and earn up to $15 in out-of-network ATM fee refunds.

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No Minimum Balance

No need to maintain a minimum balance in any of our checking accounts (but we recommend keeping a healthy amount in yours anyway).

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Every Card Purchase Counts

Unlike elsewhere, both PIN (debit) and signature (credit) purchases with your debit card qualify towards the monthly qualifications.

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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.

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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.

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Always On Patrol

Rest easy knowing we actively monitor all member accounts for fraud with help from Falcon Fraud and other cutting edge tools. Your GNCU Visa debit card also includes coverage by Visa’s Zero Liability Policy2, and you can enjoy complete control over your card through our GNCU Cards app.

How to Qualify for Cash Back Rewards

To be eligible for the rewards that come with a Cash Back Checking account and have the monthly service charge waived, 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.

If you don’t meet the requirements during one monthly qualification cycle, then no rewards will be earned and the service charge will apply. But don’t worry! You can get back to earning the rewards the very next monthly qualification cycle.

Learn more about other checking accounts available through our credit union.

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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.

Cash Back Checking Frequently Asked Questions (FAQs)

Get acquainted with our Cash Back Checking accounts by browsing the most frequently asked questions from members like you.

What is a cash back checking account?

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Cash back checking accounts are checking accounts that give you cash when you use your debit card to make purchases. The cash is returned “back” to you each month as long as you meet the qualifications.

What is the difference between cash back and reward checking accounts?

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Cash Back Checking accounts offer a certain percentage of the cash you spend “back” as a kind of reward. But rewards checking accounts and rewards cards offer incentives like entertainment credits, airline miles, and other perks in exchange for meeting certain requirements.

Is there a debit card that earns cash back?

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Unlike credit cards, not many debit cards offer the opportunity to earn cash back. But when you open a Cash Back Checking account with Greater Nevada Credit Union, you’ll receive a debit card that can earn cash back (plus other great rewards) each month when you meet qualification requirements.

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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.

1 Up to $10 in cash back monthly based on 1% cash back on all signature and pin based swipes on the first $1,000 in point of sales transactions per month when qualifications are met. Other rewards received when monthly qualifications are met include up to $15 in out-of-network ATM fee rebates and waiver of the $10 monthly service fee. Proof of ATM fees of $5 or more may be required to process fee rebate. For rebates of individual ATM fees of $5 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, one direct deposit received, and account statements delivered via 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.