Cash Back Checking


With JCU’s Cash Back checking, you can earn up to 2.50% cash back – that’s $7.50 a month, or $90 per year! We’ll also reimburse you up to $20 in ATM fees each month. Just complete three easy qualifications each qualifying cycle to earn the interest reward.


  • Receive your monthly statement electronically (Online Statements)
  • Have 10 debit card point-of-sale transactions post and clear during the Qualification Cycle
  • Have at least one direct deposit or one auto-debit via ACH during the Qualification Cycle


  • Free online and mobile banking for easy 24/7 account management
  • 2.5% cash back – a checking account that pays you*
  • ATM Reimbursements – access cash without fees*
  • Identity Theft Protection through iDefend
  • Money Management – effortlessly track spending habits.
  • FICO® Score monitoring – check your credit score quarterly.

It’s incredibly simple! Complete three qualifiers each month, and your Cash Back Checking account will pay you. No worries if you don’t meet the qualifications; there’s no fee, and you can try again next month!

Choose a JCU checking account that aligns with your lifestyle. Open a new Cash Back Checking or convert your Basic Checking by visiting a branch or applying online today!

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* Monthly Qualifiers Expanded Explanation: 1) Receive electronic statements (Online Statements) instead of paper statements. One-time signup is required. View monthly on the website or mobile application. 2) Have at least ten debit card point-of-sale transactions posted and clear from your checking account within the qualification cycle. 3) Have at least one automatic deposit post and clear in your checking account, OR at least one automatic payment post and clear from your checking account via ACH within the month.

Fine Print: On approved credit. All qualifications must be achieved during the qualification cycle to earn cash back. For Personal accounts only (1 account per SSN). 2.50% cash back is on up to $300 in debit card purchases each cycle, with maximum earnings of $7.50. ATM refunds of up to $20 are provided as long as qualifications are met during the qualification cycle. All qualification transactions on the account must be posted and cleared during the qualification cycle, which could take anywhere from, but not limited to, 1-5 business days to post to an account from the date the transaction is made (ATM withdrawals or transactions do not qualify). The qualification cycle is from the last day of the previous month through the next to the last day of the current month. Rates are subject to change. Fees may reduce earnings.