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Spend Better Checking

Get cash back on everyday debit card purchases and refunds on ATM withdrawal fees, nationwide!*

It’s Easy to Get Paid Cash Back

Getting your full rewards is easy. In fact, the things you have to do to “qualify” are the things that make banking easier anyway. Enrollments must be in place and all of the following transactions and activities must post and settle to your Spend Better account during each Monthly Qualification Cycle:

  • 12 debit card transactions to post to and settle to the account
  • 1 ACH credit (like a direct deposit)
  • Enroll in an e-statement.

That covers it! If for some reason you don’t meet the monthly qualifications, don’t worry. Your account is still free, and you can get back to earning your full rewards the very next Monthly Qualification Cycle!


*Rewards accurate as of 6/1/2022. Rates may change after account is opened. Minimum to open is $25.00 for Spend Better Checking and $25.00 for Save Better. For Spend Better Checking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) 2.00% cash rewards for all debit card transactions not exceeding $300. Maximum cash back total in a monthly qualifying cycle is $6.00. Qualifying transactions include 12 debit card transactions, (1) ACH Deposit or ACH credit transaction, Enroll in an e-statement. Qualifying transactions must post to and settle to the Spend Better Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle to the account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means the first day of the month to the last day of the month. Membership eligibility required. Federally insured by NCUA. Fees could reduce earnings. **Wireless carrier data rates may apply.


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