What Makes Ours The Best Cash Back Checking Account In Arizona?

It rewards your spending with cash back and low to no fees! Open a Copper State CU CashBack Checking Account and enjoy a variety of perks and benefits.

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Earn Cash Back
Receive up to 1% cash back1 every month on your everyday purchases.
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Low Monthly Fees
Pay no monthly fees if you enroll in eStatements2 or pay a low $2 fee every month for paper statements.
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Early Pay Day
Enjoy getting your paycheck early with direct deposit.3 Woohoo! You’ve earned it.
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Zelle®
Securely and quickly send or receive money with friends and family.4
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A couple checks their cashback checking account over coffee using mobile banking.
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Checking Account Special Offer

$150 Bonus

The CashBack Checking Account comes with another great perk - a $150 digital gift card!5 That's right, simply:

  • Open your new CashBack Checking Account
  • Download and log in to the Copper State CU mobile app
  • Set up a minimum $500 monthly direct deposit

Don't let this special offer pass you by, it's available for a limited time!

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Checking Account Rates

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
Teen Checking
Dividend Rate
(as high as)
0.01%
Annual Percentage Yield
(as high as)
0.01%
Effective May 1, 2025


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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3 Easy Options To Open A CashBack Checking Account

★★★★★

“Absolutely amazing!! I've never banked with a local bank. Best decision I've ever made by switching from a big bank that doesn't care to Copper State.”

-Jeff U., Phoenix, AZ

★★★★★

“Super sweet people here. Always liked credit unions better than major banks because they make you feel more like you're part of the bank instead of just someone giving you money.”

-Jenny T., Carefree, AZ

★★★★★

“Prompt, courteous, professional assistance every time. They always answer all of my questions.”

-Sheri C., Litchfield Park, AZ

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Everything You Need To Know About Your Debit Card

From benefits to fraud protection, click below for everything you need to know about your Copper State CU Mastercard® debit card.  

Learn More About Your Debit Card Benefits

 

 

CardCash™

>> Press credit every day. Every pay.

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

When you open a Copper State CU CashBack Checking Account with a linked and activated debit card, you are instantly enrolled in CardCash!

Each time you use the card, choose the credit option instead of entering your PIN. When you spend $700 in non-PIN card purchases in a month, you can start earning 1% cash back. Online and bill payments may also qualify for cash back!

Create an account with CardCash™ here to review your transactions and earnings.

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Copper State CU Debit Card

 

Have A Question?

Answers to Some 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.

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 at 623.580.6000 and select Card Services.

How do I reorder checks?

You can easily order checks in online banking by clicking on your CashBack Checking account > Check Reorder.

What are your Checking Account fees?

If you opt-in to receive eStatements, there is no monthly fee. 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 the information on earning cash back with CashBack Checking?

Find the CardCash 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.

1. Once logged in, select Accounts.
2. Click the plus icon, then select Link an Account or Make External Transfers depending on your needs.

If you choose to link an account, you will be prompted to select or search for the financial institution you want to link to. Then, follow the prompts to sign in and link the account. 

If you choose to make an external transfer,
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 into your Copper State CU online banking, click confirm on the pending account, and enter the deposit amounts. After this is confirmed, you can 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 driver's 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.

2For 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 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.

5 The $150 gift card promotional incentive applies to new CashBack Checking Accounts and is limited to one per member. Checking account must remain open for 30 days with a minimum monthly direct deposit of $500. The recipient must also download and log in to the mobile app for this incentive. Promotion ends December 31, 2025. Restrictions may apply. Offer subject to change without notice.


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