A personal checking account that earns you cash back on purchases
Cashback Checking benefits
We've got you covered
- Earn a monthly cashback bonus up to $10 (see requirements)1
- An Ideal CU Debit Card with Ideal CU Rewards.
- 24/7 access to your account with Ideal Digital Banking and Mobile App. Check balances, transfer funds, pay bills, deposit checks remotely and more!
- Direct Deposit with Early Payday benefits.
- Access to a nationwide surcharge-free* ATM Network.
- Optional Overdraft Protection to cover purchases in the event you do not have a positive available balance in your account. Learn more and see disclosures.
- Optional Gold and Platinum Debit Cards that let you enjoy benefits and rewards normally associated with premium credit cards.
Open an Account
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How to earn cash back each month
Earn a monthly cashback bonus1 of up to $10 based on the amount of total transactions made with your Ideal Debit Card each month. Qualify by meeting the following requirements each month:
- $1,500 or higher monthly direct deposit
- Be enrolled in eStatements
- 20 or more Ideal Debit Card transactions per month
1 You earn 0.25% cashback up to a maximum payout of up to $10 monthly. Cashback bonus is based on the total amount of net signature-based or PIN authorized Ideal Debit Card purchases made during any statement cycle. ATM transactions do not apply.