Looking to reorder checks? Click here. 

CashBack Checking Account Features

Your everyday checking account can be transformed into a cash back rewards account at Copper State CU!

With your new MasterCard® debit card, shop confidently online and with Apple, Samsung or Google Pay. 

checkmark 30 x 30
Earn cash back
Earn up to 1% cash back1 every month on everyday purchases.
checkmark 30 x 30
Zelle® in your pocket
Fast and secure way to send and receive money with those you trust.
checkmark 30 x 30
No monthly fee
When enrolled in eStatements, there's no monthly fee2 for the CashBack Checking Account.
checkmark 30 x 30
Paycheck perks
Get your paycheck early. 3 You've earned it!
Open Now
A woman on her laptop using her cash back checking account debit card.
yellow-lightbulb-spot
Checking with all the perks.
This account gives you all the benefits without the headache of fees.

Checking Account Rates

You'll be glad you made the switch to a CashBack Checking account.
Checking Account Rates
Checking Account Type
Dividend Rate
(as high as)
Annual Percentage Yield
(as high as)
Checking Account Type
CashBack Checking
Dividend Rate
(as high as)
0.01%
Annual Percentage Yield
(as high as)
0.01%
Checking Account Type
Try Again Checking
Dividend Rate
(as high as)
0.00%
Annual Percentage Yield
(as high as)
0.00%
Effective October 1, 2023


Minimum deposit of $25.00 is required to open a checking account. Fees may reduce earnings on the account. CashBack Checking Account has minimum balance requirements. In order to earn the disclosed APY, you must maintain a balance at least equal to $5,000.00 in your account each day. If interest is accrued, payment will be reflected in member’s monthly statements.

Open Your Account Today!

Apply Now

Love at first swipe.

  • Mastercard ID Theft Protection™

    This no-cost service helps detect and resolve identity theft with industry-leading experts on-hand to provide you with 24/7 assistance if you think your identity has been compromised. 4

  • Turn Toothpaste Into Touring

    Imagine a purchase you make each and every day turning into even more. From recurring payments to groceries, get the chance to win. Throughout all of 2023, every purchase you make with your Copper State CU Mastercard® is another entry for a chance to win up to $10,000.**

  • Uncover Priceless Golf® Benefits

    Get unique Priceless Golf® benefits, exclusive offers and top-notch experiences with your Copper State CU Mastercard®. Learn from PGA Tour Golf Academy instructors, access 1,200+ private courses, earn resort credits and more.***

  • Enroll Today, Explore Tomorrow

    Enroll your Copper State CU Mastercard® in Click to Pay for a chance to win incredible prizes like a trip to New York, Los Angeles, Miami or Chicago, or one of thirteen Mastercard Prepaid® cards. ****

Smiling man holding a cash back checking account debit card.
Priceless Experiences®
Immerse yourself in both in-person and digital experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe exclusively for Mastercard® cardholders. From a round of golf with a legendary player to a virtual cooking class with a celebrity chef, you can create lasting memories with Priceless.com.
Visit Priceless.com
Have a Question?

Frequently Asked Questions

Can I open a Checking or Savings Account online?

Yes, you can open a checking account online from the comfort of your couch. Quick, easy and effortless!

What do I do if I discover fraud on my debit card?

We partner with our members to fight fraud and resolve problems. If you suspect fraudulent activity, please call 623.580.6000 during business hours and choose option 6.

What do I do if my debit card is lost or stolen?

If your debit card is lost or stolen, please contact us as soon as possible or call 623.580.6000 and select option 6. 

What Checking Accounts do you offer?
  1. CashBack Checking Account: You can earn cash back for using your debit card. Ultimately, you’ll like how we’ve transformed the traditional checking account into something different - and better. This checking account is hassle-free and absolutely essential.
  2. Lopes Checking Account: Swipe and share your GCU pride with our MasterCard debit card featuring Thunder the Antelope. Plus, with each swipe of the GCU Affinity card, we’ll donate to the GCU General Scholarship Fund. Members also have the ability to Round-Up Savings to the nearest dollar.
  3. Try Again Checking Account: Need a second chance at managing your checking account? Are past account issues making it impossible to open an account now? With our Try Again Checking Account, you can start to build a new history of responsible money management.
What are your Checking Account fees?

CashBack Checking does not carry a monthly fee if the member is enrolled in eStatements. For members who prefer paper statements, a $2 monthly fee will be assessed to their account. The $2 monthly fee will be waived for primary members under 18 and primary members 65 and older.

Where is information on earning cash back with CashBack Checking?

You can find the CashBack Checking Account terms and conditions here.

How do I add a bank account from another institution?

First, make sure you're enrolled in Online Banking! Then, download our mobile app.

If logging in from a computer:
1. Once logged in, hover over the Transfer & Pay tab then click Transfer
2. Click More Actions > Add Account > Add an account manually

On our mobile app:
1. Once logged in, click Transfers in the bottom menu 
2. Click Add Account at the top of the screen > Add account manually

You will be prompted to choose the account type, enter your routing number, account number and select a nickname for the account. 

Once submitted, the verification process will begin. To verify the account, we send two small deposits which take approximately 2-3 business days to arrive. Once you receive the trial deposits, you need to log back in to your Copper State CU online banking, click confirm on the pending account and enter in the deposit amounts. After this is confirmed, you'll be able to transfer to and from your external accounts.

What do I need to open a Checking Account in-person or online?
  1.  Must be 18 years or older.
  2.  Have a Savings Account by meeting the guidelines for membership.
  3.  A primary form of identification such as a state issued drivers license or ID card, military ID or dependent ID, government issued ID, passport, matricula consular card, student ID, birth certificate or social security card.
  4.  A minimum opening deposit of $25.
  5.  Proof of address.
FREE EBOOK

Ultimate Budget Plan
Ultimate Budget Plan to Save You Time and Free Your Money
Make Your Money Work For You!

Keep your monthly expenses on track with ease using our helpful eBook.

Included in the free eBook:
  1. What is a Zero Balance Budget Plan
  2. Find Your Financial Goals
  3. Before Starting Your Budget Plan
  4. Add Up Net Income
  5. Tally Spending [Expenses] and Categorize
  6. Quick Budget Plan Calculation 
  7. How to Make Monthly Budget Plan Adjustments 
  8. Mistakes to Avoid

Get your free copy now!
CashBack Checking Account Disclosures

*New checking account holders: Open a checking account by October 31, 2023 and use your Copper State CU debit card for 5 unique transactions within 45 days to receive a $15 deposit into your primary savings account.  Current Copper State CU debit card holders can be entered to win $100 if you use your card for 10 unique transactions before October 31, 2023. Restrictions apply. Offer subject to change without notice. See copperstatecu.org/breakfree for all rules and details. 

1Terms and conditions apply, click here for details.

2CashBack Checking does not carry a monthly fee if member is enrolled in eStatements. For members who prefer paper statements, a $2 monthly fee will be assessed to their account, except for those members over the age of 65 or 17 years of age and younger. Minimum balance requirements. In order to earn the disclosed APY, you must maintain a balance at least equal to $5,000.00 in your account each day. If interest is accrued, payment will be reflected in member’s monthly statements.

3Access to direct deposit funds depends on the submission timing of the payment file from the payer.

4 Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Visit https://mastercardus.idprotectiononline.com/enrollment/embedded.html for more information and to activate the benefit.

**NO PURCHASE NECESSARY. Void where prohibited. U.S. residents 18+ before 1/1/23. PIN‑based debit, international and corporate transactions ineligible. Ends 12/31/23. For official rules and complete details, click here.

***Offer cannot be combined with other Pebble Beach Resorts travel packages available on Priceless.com. Offers exclusive to Mastercard cardholders. Terms and conditions apply. See Priceless.com for full details.

****NO ENROLLMENT NECESSARY TO ENTER OR WIN. Void where prohibited. Open to legal residents of the 50 U.S. or DC, who are legal age of majority prior to time/date of entry. Ends 12/31/23. For Official Rules & complete details, click here.

The Click to Pay icon is a trademark owned and used with permission of EMVCo, LLC. Contactless‑enabled Mastercard accepted at participating locations. Visit mastercard.com/tapandgolocator for more details.

Mastercard and Start Something Priceless are registered trademarks, and the circles design is a trademark, of Mastercard International Incorporated. © 2023 Mastercard. All rights reserved

Book an appointment Contact Us