CashBack Checking

Manage your money and stay in control.

Earn cash back with no monthly fees

Earn 3% back on your first $250 in monthly purchases*
No monthly maintenance fee or minimum balance requirement
Get reimbursed for other banks' ATM fees (up to $20/mo)*

The account that eliminates fees and rewards you for everyday spending.

Qualifying for cash back and ATM fee reimbursements is a breeze. All you need is:

  1. 12 debit card purchases during each monthly cycle
  2. One direct deposit, bill pay, or ACH payment
  3. Enrollment in free eStatements

Simply do those three things each monthly cycle and you'll earn 3% cash back on your first $250 of debit card purchases – that's up to $7.50 in monthly cash back or $90 a year! We'll also reimburse you for up to $20 in monthly ATM fees charged by other banks.*

Cycle Dates for CashBack Checking

  • December 31, 2025 - January 29, 2026
  • January 30 - February 26
  • February 27 - March 30
  • March 31 - April 29
  • April 30 - May 28
  • May 29 - June 29 
  • June 30 - July 30

Banking with MECU Credit Union in Maryland means belonging to a local financial institution that invests in the Baltimore community and offers competitive rates on checking accounts.

Make everyday banking simple.

View All Resources
Digital Banking
Manage your money anytime with secure account access.
Checking Rates
View current rates to find the right checking account.
Overdraft Protection
Avoid overdrafts with options that help keep you covered.
Understanding Your Credit Score
Learn what affects your credit and how to improve it.
Share Savings Account
Build Your Savings with Confidence

Start saving with a simple account that grows your balance over time with competitive rates.

Start earning cash back.

*APR – Annual Percentage Rate. Information accurate as of 8/1/2022. 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. 

See Truth In Savings for full disclosure.