Ultimate Cash Back

Free checking that pays you cash back for everyday debit card purchases. Plus, a whole lot more!

Welcome to free checking that pays you for a change. Ultimate Cash Back pays 2.5% cash back on qualifying debit card purchases* (up to $7.50 per month!). Which means you'll have a little left over to spend, save, or squander.

To sweeten the deal, we'll also refund your ATM fees nationwide* – so you don't pay to access your own money. And it's easy to earn your rewards. Simply do a few things that make account management much easier. 

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Earning Your Rewards is Easy

To earn your rewards, simply do the following activities and transactions in your Ultimate Cash Back account each monthly qualification cycle:

It's that simple! And if you don't qualify, your account is still free. You can get back to earning your full rewards the very next monthly qualification cycle


*Must open a Regular Share Account with a Minimum of $5. When monthly qualifications are met, you receive 2.50% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $7.50 per monthly qualification cycle. Qualifying transactions must post to and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning the first day of the current statement cycle through the close of the current statement cycle. Ultimate Cash Back rewards will be credited to your Ultimate Saver account on the last day of the monthly statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed if qualifications are met within monthly qualification cycle. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.