Cashback Checking

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Let your money do the work while you focus on what matters most

Your debit card already covers everyday essentials and fun splurges, and now it can help you earn extra cash too. With this account, you can get up to $10 in monthly cashback bonuses¹ just by using your Ideal Debit Card for regular purchases. It’s easy to qualify, and managing your money stays simple with fast, convenient Digital Banking tools that fit right into your routine.

You can qualify by meeting the following requirements each month:

20 or more Ideal Debit Card transactions per month
$1,500 or higher monthly direct deposit
Enroll in eStatements

Other features

Earn a monthly cashback bonus up to $10 – that can add up to well over a hundred bucks a year¹

Pay bills, transfer money, monitor activity, set up budgets, track your finances and more through Digital Banking and our Mobile App that make money management effortless

Get paid up to two days early with Early Payday and Direct Deposit for faster access to your money

Unlock more benefits with Gold or Platinum Debit Cards

Upgrading to Gold or Platinum earns cash back, and adds premium benefits that help you save more and enjoy rewards like shopping discounts, roadside service and more.

Learn More

Level up your finances - from your home or on-the-go

Digital Banking

Check your account balances anytime, anywhere

Transfer funds between Ideal CU or other banks

Monitor your budget and manage spending habits

Manage your debit cards easily with Card Controls

Chat with IDA for quick help by phone or online

Create and track your personal savings goals

Disclaimers

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.