Cash Back Rewards Checking
Get 10% cash back1 on up to $250 in monthly debit card purchases each month, with no spending category restrictions.
Account Features
Get 10% cash back1 on up to $250 of debit card purchases each month. That's up to $25 per month or $300 per year.
- No spending category restrictions
- No minimum deposit to open
- No minimum balance requirement and no monthly service fees
- 24/7 access to online & mobile banking
- Overdraft protection options available
- Nationwide ATM withdrawal fees refunds1
- Free bill pay, eStatements, Visa® Debit Card, and budgeting tools
- Get paid up to two days early with direct deposit Early Pay
Plus, access over 35,000 surcharge-free ATMs nationwide.
Meet these requirements each month to earn cash back. If you miss a month, don't worry. You can qualify again the next month.
Cash Back Rewards Checking - AACU Cash Back Checking FAQs
Cash Back Rewards and Cash Rewards Checking require no minimum balance to open or maintain. Basic Checking asks for a $500 daily balance only to avoid its monthly fee. Review Cash Rewards Checking, which also requires no minimum.
Cash Back Rewards Checking pays 10% cash back1 on up to $250 in qualifying debit card purchases each month. That's a maximum of $25 in monthly cash back1, or roughly $300 a year, for members at AACU. Rewards deposit on the last day of your statement cycle. Check your eligibility and open your account today.
Any debit card purchase counts toward your monthly total, since AACU places no category restrictions on qualifying transactions. Groceries, gas, dining, and online shopping all apply the same way. You'll need at least twelve qualifying purchases each statement cycle to trigger the reward. Compare Cash Back to Cash Rewards Checking before your first statement cycle.
AACU deposits your earned cash back on the last day of each monthly statement cycle, once your direct deposit, debit card purchases, and eStatement enrollment all post and clear. No manual claim or redemption step stands between you and your reward. Missed months simply reset without penalty. Check your eligibility and open an account today.
Cash back caps at $250 in monthly qualifying purchases1, which limits your reward to $25 per statement cycle. Purchases beyond that amount still count toward your account activity but stop earning cash back for the month. Most everyday spenders reach the cap comfortably. Compare this account to Cash Rewards Checking to see which fits better.
AACU requires twelve or more posted debit card purchases per monthly statement cycle to qualify for cash back rewards. You'll also need one direct deposit or automatic payment and eStatement enrollment during that same cycle. Meeting all three unlocks your reward automatically. Compare Cash Rewards Checking if you'd rather earn on your balance instead.
- Locations & ATMs
Find an AACU branch, shared branch location, or one of thousands of surcharge-free ATMs across the U.S. and Canada.
- Meet With A Financial Coach
Have questions about your finances? Talk with a financial coach who can help you explore your options and plan your next steps.
- Deposit Rates
Compare current checking, savings, certificate, and IRA rates to make informed decisions about your money.
- Explore Checking Accounts
Still exploring your options? Compare AACU checking accounts to find the features and benefits that work for you.
1 Qualifications: (a) Post and clear at least one direct deposit or pre-authorized ACH (b) post and clear twelve or more purchase transactions using your debit card and (c) enroll to receive your periodic statements electronically during the monthly periodic statement cycle. Account transactions and activities may take one or more days to post and clear to the account and all must do so during the monthly periodic statement cycle in order to qualify for the account’s rewards. When your Cash Back Rewards Checking account qualifications are met during a monthly periodic statement cycle, the following rewards will be distributed to your account on the last day of the month. You will receive 10.00% cash back on up to a total of $250.00 debit card purchases that post and clear to the account during the qualifying monthly periodic statement cycle. A maximum of $25.00 cash back may be earned per monthly periodic statement cycle. ATM fee refunds limited to $4.99 per item and $25.00 per monthly periodic statement cycle. Terms and conditions subject to change.
Rewards are variable and may change after account is opened. Fees may reduce earnings. Terms and conditions subject to change. Membership requirements apply.
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All cards issued by Air Academy Credit Union pursuant to a license from Visa USA Inc.