Rewards Cash Back Checking

Instead of paying to have a checking account, have a checking account that pays you — our FREE Rewards Cash Back Checking pays 2.50% cash back on your debit card purchases, up to $120.00 back per year ($10.00 per month).* You’ll also get refunds on ATM withdrawal fees, nationwide** — so you can get to your money in Fisher, Mahomet, or anywhere else.

 Apply online...and then come in to complete the account opening process!


  • No monthly service charge

  • No minimum balance to earn rewards or maintain free account

  • 2.50% cash back on debit card purchases*

  • Cash back earned on up to $400.00 in purchases monthly

  • Earn up to $120.00 cash back per year, $10.00 per month*

  • ATM fee refunds* up to $20.00 per cycle when qualifications are met 

  • $50.00 minimum opening deposit

  • Must come in to bank to complete account opening process

Here’s how easy it is to earn your rewards:

 All of the following transactions and activities must post and settle to your Rewards Cash Back account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases

  • At least 1 direct deposit, ACH credit, or ACH payment transaction

  • Be enrolled in and agree to receive e-statements 

And even if you don't meet these three easy qualifications, your account is still free — and you can get right back to earning your cash rewards the very next cycle that you qualify.

*When Rewards Cash Back Checking qualifications are met during a Monthly Qualification Cycle, you will receive 2.50% cash back on up to $400.00 of signature based debit card purchases that post and settle to the account during that cycle period. The maximum cash back earned per statement cycle is $10.00. If qualifications are met monthly, you will also receive up to $20.00 refund for nationwide ATM fees incurred during the qualification cycle. The qualification cycle ends on the Tuesday before the fourth Wednesday of each month. All transactions must post and settle by that Tuesday to be counted for qualification. Debit card purchase means any PIN or signature based transaction performed at any location other than an ATM. Transactions may take more than three business days to post and clear from the transaction date. Available to personal accounts only. Limit one account per social security number. Minimum of $50.00 deposit to open account. When Rewards Cash Back qualifications are not met, you will not receive cash back on signature based debit card purchases and ATM fees are not refunded. Cash Back percentage and ATM refund amounts are subject to change.