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. 

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Earn cash back
Earn up to 1% cash back1 every month on everyday purchases.
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Zelle® in your pocket
Fast and secure way to send and receive money with those you trust.
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No monthly fee
When enrolled in eStatements, there's no monthly fee2 for the CashBack Checking Account.
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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 February 1, 2024


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.

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CardCash™

>> Press credit every day. Every pay.

⭐ Earn up to 1% cash back1 just for using your Copper State CU debit card.

 

Want to earn up to 1% cash back1 just for using your debit card? All you need is a Copper State CU checking account with a linked debit card. Once you activate your card, you are automatically enrolled in CardCash. Every time you swipe your Copper State CU debit card, choose the credit option instead of entering your PIN. Online payments and bill payments may also qualify. 

Spend a minimum of $700 in non-PIN debit card purchases each month and start earning. You can also create an account with CardCash™ here to check your earnings.

 

Copper State CU Debit Card

 

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.*

  • Put your feet up and soak in the sun in Puerto Rico

    From now until September 30, 2024, use your Copper State CU Mastercard® and you could turn your everyday purchases into entries for a chance to win a trip of a lifetime.***

  • Peace of Mind Spending

    Mastercard safeguards against unauthorized purchases, loss or theft with Mastercard Zero Liability Protection.**

  • You could turn everyday purchases into a chance to win with your Copper State CU Mastercard®

    From now until September 30, 2024 you could have a chance to earn entries to win a daily prize of a $50 Mastercard Prepaid® card.**** That means eligible purchases from small to big could come with a surprise bonus!

Smiling man holding a CashBack Checking account debit card
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. 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.
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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.

*For cardholders who enrolled prior to July 1, 2019, this service shall be provided by CSID until December 31, 2019. Cardholders will have to re-enroll with Generali Global Assistance, Inc. at the link provided in the enrolled cardholder notices. Cardholders will need to register for this service. Cardholders who enroll on or after July 1, 2019, this service shall be provided by Generali Global Assistance Inc. For more information, visit mastercardus.idprotectiononline.com.

**Certain terms, conditions and exclusions apply. To learn more about Zero Liability, visit mastercard.com/zeroliability 

***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 1/1/24. PIN-based debit, international, corporate, and transactions processed on a non-Mastercard operated network are ineligible. Ends 9/30/24. For Official Rules and complete details, click here.

****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 1/1/24. PIN‑based debit, international, corporate, and transactions processed on a non‑Mastercard operated network are ineligible. Ends 9/30/24. For Official Rules & complete details, Click here.



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