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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Get paid early.3
Get your paycheck up to 2 days early 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.

  • Earn Miles with Your Mastercard

    Your Mastercard now lets you earn AAdvantage® bonus miles like never before on your favorite things and the items you need every day, such as fashion, fuel and dining out.*

  • Diners, Drive In's and Dollars

    Every time you dine in, take out or order delivery with your Copper State CU Mastercard from January 1 to December 31, 2022, you’ll be entered for a chance to win up to $10,000.**

  • Set Sail With An Online Sale

    Every time you check out online using your Copper State CU Mastercard® from January 1 to December 31, 2022, you’ll be entered for a chance to win up to $10,000.**

  • World Traveling, Local Shopping

    Every time you support a local business by shopping with your Copper State CU Mastercard® from January 1 to December 31, 2022, you’ll be entered for a chance to win up to $10,000.**

Smiling man holding a cash back checking account debit card.
That extra-whip mocha could mean exotic lake yoga.
Imagine your purchases doing even more. What if your family's favorite streaming service turned into your family's favorite seaside retreat? Or your grocery deliveries turned into delivering on your dream day? From January 1 to December 31, 2022, every purchase you make with your Copper State CU Mastercard is another entry for a chance to win up to $10,000.**

Checking Account Rates

Earn competitive dividends on your checking account balance.
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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 May 23, 2022

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 or 800.224.3330 during business hours. For cardholder support after 6:00 p.m. MST, please call 866.664.9364.

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. For after-hours lost or stolen debit card support, please call 800.528.2273 or 812.647.9794 (international cardholders).

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.

*American Airlines reserves the right to change the AAdvantage® program and its terms and conditions at any time without notice and to end the AAdvantage® program with six months’ notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage® miles earned through this promotion/offer do not count toward elite-status qualification or AAdvantage Million MilerTM status. American Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage® program, visit aa.com/advantage.

SimplyMiles + Mastercard Promotion allows American Airlines AAdvantage® members that have a Mastercard, to earn American Airlines AAdvantage miles by making everyday purchases with their cards. For Mastercard cardholders who do not have an AAdvantage account, they can sign up free at www.aa.com/loyalty/enrollment/enroll.

All third-party trademarks belong to their respective owners. American Airlines, AAdvantage, the Flight Symbol logo, SimplyMiles and AAdvantage Million MilerTM are marks of American Airlines, Inc. Mastercard is a registered trademark, and the circles design is a trademark, of Mastercard International Incorporated. © 2020 Mastercard. All rights reserved.

**NO PURCHASE NECESSARY TO ENTER OR WIN. Void where prohibited. Open to legal residents of the 50 U.S. or D.C. who are the legal age of majority before 1/1/22. PIN‑based debit, international and corporate transactions ineligible. Ends 12/31/22. For Official Rules and 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. © 2022 Mastercard. All rights reserved