Cashback Checking

A personal checking account that earns you cashback on purchases

Cashback Checking benefits

We've got you covered

  • Earn a monthly cashback bonus up to $10 (see requirements)1
  • Ideal Debit MasterCard® , Digital Banking and full access to Ideal's Mobile App with Mobile Check Deposit, bill pay services and more
  • Access to a huge ATM Network
  • A monthly chance to win $1,000 when you use your Ideal Debit Card for everyday purchases (Learn more)

Open an Account
Make an Appointment

How to earn cashback each month

Earn a monthly cashback bonus1 up to $10 based on the amount of total signature-based transactions made with your Ideal Debit MasterCard® each month. Qualify by meeting the following requirements each month:

  • $750 or higher monthly direct deposit
  • Be enrolled in eStatements
  • 20 or more signature Ideal Debit Card transactions per month

1. You earn .25% cash back up to a maximum payout of $10 per month based on the total amount of net signature-based Ideal Debit Card purchases made during the statement cycle. Qualifying purchases include all net signature-based purchases. Purchases authorized with a PIN or ATM transaction do not apply.

Use & Win Debit Giveaway*

How it works

Ideal Credit Union will be giving away $1,000 to one lucky winner each month in 2020. The key to your chance of winning is to have an Ideal Personal Checking Account and to use your Ideal Debit or My Rewards™ Debit Card for everyday purchases.

Every purchase made earns you an additional chance to win in that month's drawing! So the more you use your card, the more chances you'll have to win!

Learn More

Minimum $50 deposit required to open a personal checking account. Random drawings for the $1,000 giveaway will be conducted once a month for the promotional period beginning January 2020 through December 2020 from all eligible entries received. One (1) $1,000 prize winner will be selected at random each month. See official rules.

2020 - 21 Holiday Hours

Martin Luther King, Jr. Day

Monday, January 20th
All locations closed.

President's Day
Monday, February 17th
All locations closed.

Good Friday
Friday, April 10th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.

Memorial Day
Monday, May 25th
All locations closed.

Independence Day
Saturday, July 4th
All locations closed.

Labor Day
Monday, September 7th
All locations closed.

Columbus Day
Monday, October 12th
All locations closed.

Veterans Day
Wednesday, November 11th
All locations closed

Thanksgiving Day
Thursday, November 26th
All locations closed.

Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.

Christmas Eve
Thursday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.

Christmas Day
Friday, December 25th
All locations closed.

New Year's Eve
Thursday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.

New Years Day (2021)
Friday, January 1st
All locations closed