CashBack Checking Account Features

The every day checking account has been transformed into a cashback 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%2 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 fee1.
When enrolled in eStatements, there's no monthly fee for the CashBack Checking account.
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Free app with features.
Our free app includes Bill Pay and Remote Deposit Capture for easy money management.
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Never 'bounce' a check again.
Sign up for Overdraft Protection to ensure you don't miss a payment or bounce a check.

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.*

  • Pump the Possibilities

    When you pay for fuel or other gas station purchases with your card between January 1 and December 31, 2021 you have a chance to win $10,000.**

  • Cook for Cash

    Swipe your Copper State Credit Union Mastercard to pay for groceries between January 1 and December 31, 2021 you have a chance to win $10,000.**

  • Dig Into a Fresh Opportunity

    Make a purchase under $10 between January 1 to December 31, 2021 with your Debit Mastercard is an entry to win $200.

Woman holding Copper State CU debit card
Every time you use your card- no matter how big or how small- is a chance to win a $10,000 grand prize.
Groceries, gas, deliveries to your door, streaming on your big screen- the things you enjoy everyday can also mean a chance to be surprised! From January 1 to December 31, 2021 every single purchase you make with your Copper State Credit Union Mastercard, online or in-store, is another entry to win $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 July 26, 2021

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.

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Ensure Your Checks and Payments Clear

Overdraft Protection

Overdrafting your account is not only expensive in fees, but it can be embarrassing. 

When you enroll in the Overdraft Privilege Program at Copper State Credit Union, you're ensuring your check or bill payment is covered. Whether you were short on money or accidentally miscalculated your remaining balance, we understand it can happen to anyone.

Using the Overdraft Privilege Program will help minimize overdraft fees (often called Non-Sufficient Funds or NSF fees) and keep your money moving where it needs to go.

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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.

FREE GUIDE

Monthly Budgeting

Keep your monthly expenses on track with ease! Check out this free helpful guide.

Copper State Credit Unions How to Create a Monthly Budget that Works eBook Cover
Create a Simple Budget That Works For You!

It's easier than you think to create a monthly budget and stay on track.

Included in the free guide:
  1. "Zero Balance" Monthly Budget
  2. Find Your Financial Goals
  3. Free Budget Template
  4. Budget Adjustments
  5. Mistakes to Avoid

Get your free copy now!

Keep your monthly expenses on track with ease! Check out this free helpful guide.

CashBack Checking Account Disclosures

1CashBack 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.

2Terms and conditions apply, click here for details.

*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 MilerSM 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.

All third-party trademarks belong to their respective owners .American Airlines, AAdvantage, the Flight Symbol logo, SimplyMiles and AAdvantage Million Miler 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 DC who are legal age of majority before 1/1/21. PIN‑based debit, international & corporate transactions ineligible. Non‑tap transactions also qualify. Ends 12/31/21. For Official Rules & complete details, click here. Contactless‑enabled Mastercard accepted at participating locations. Visit mastercard.com/tapandgolocator for more details.

Mastercard and Tap & Go are registered trademarks, and Start Something Priceless and the circles design are trademarks, of Mastercard International Incorporated. All other trademarks are the property of their respective owners. © 2021 Mastercard. All rights reserved. Mastercard, 2000 Purchase Street, Purchase, NY 10577.