CashBack Checking Account Features

The every day checking account has been transformed into a cash back rewards account at Copper State CU! You'll receive a free MasterCard® debit card and earn cash back on purchases made in a store, online or with Apple, Samsung or Google Pay. 

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Earn cash back.
Earn up to 1%1 cash back every month on every day purchases.
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Access 55,000+ ATMs.
Access surcharge-free ATMs nationwide through the Allpoint Network of ATMs.
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No monthly fee.2
When enrolled in eStatements, there's no monthly fee for the CashBack Checking Account.
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Paycheck perks
Get your paycheck early3 so you're prepared if an unexpected expense pops up.
Apply 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.

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.*

  • 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

Checking Account Rates

Earn competitive dividends on your checking account balance.
Apply Now

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.

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 February 6, 2023

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.

Have a Question?

Frequently Asked Questions

Can I open a Checking or Savings Account online?

Yes! You can open any savings or checking accounts online, from the comfort of your home. Quick, easy and effortless!

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

When it comes to fighting fraud and resolving problems, we're in this together. If you ever suspect fraudulent activity, please call 623.580.6000 during business hours and press 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. $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.

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CashBack Checking Account Disclosures

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.

*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