Cash Back Checking
It's time to make your money work for you! Everyone likes to be rewarded, and cash back is nicely tangible. With SMW’s Cash Back Checking account, you can get 1% Cash Back* when qualifications are met on your checking account. If you use your debit card regularly, then this may be the checking account for you.
It’s Easy to Qualify for Rewards!
It’s easy to earn your cash back reward — in fact, it just takes using the free services that come with your account! Simply be enrolled in eStatements and have the following activities post and settle to your Cash Back Checking account during each Monthly Qualification Cycle:
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At least $500 in direct deposit/ACH credits per month
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At least 15 debit card purchases of at least $3 each
Seriously, that’s it. Even if you don’t meet your qualifications during the cycle, your Cash Back Checking account is still free! Then you can get right back to earning your full rewards the very next month!
- FREE Early Payday
- 40,000+ Nationwide ATM Network
- Overdraft protection
Benefits of SMW’s Cash Back Checking
The benefits of the SMW Cash Back Checking account are not limited to earning 1% on your debit card purchases. We offer a great variety of truly useful services and benefits with this free checking account.
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Free checking that pays 1% Cash Back*
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2-Days Early Payday**: Get a head start on life's expenses.
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Debit Card Round-Up Program: Every swipe adds up.
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Link your card to Apple, Google, or Android pay
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40,000 ATMs Nationwide: Accessible. Convenient. Everywhere.
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No monthly maintenance fees
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No minimum balance to earn rewards
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Free eServices including unlimited Bill Pay, Free Mobile Deposit and much more!
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Overdraft protection available
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$100 minimum deposit to open
*You will earn 1% cash back up to a maximum of $5 each month, on net debit card purchases each month when qualifications are met. Purchases can be signature or PIN based. ATM transactions do not apply. New Qualifications effective 10/1/2023 - Fifteen (15) debit card transactions of at least $3 post and clear your account each month, at least $500 in direct deposit/ACH credits post during calendar month, and Member must also be signed up for eStatements. Transactions may take one or more business days from the transaction date to post to an account.
**Restrictions apply, Early access to direct deposit is available for all credit union members that set up a direct deposit with their employer or other payor. Early direct deposit eligibility may vary between pay periods and timing of payors funding. All rates, terms, and products are subject to change at any time without notice. Membership eligibility required. Federally insured by NCUA.