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 April 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.

Explore More With Our Teen Checking Account

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Teen Checking Account Features

Our Teen Checking Account is a great way to introduce young adults to be financially responsible. You'll receive your very own Copper State CU MasterCard® debit card and will have the ability to earn dividends.

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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
Our Teen Checking Account is totally free. Go ahead - be financially independent!
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Free Debit Card
Your Copper State CU debit card is a simple, fast and safe way to pay. Use it any place you shop, including online.
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Download Our App
Our free app includes Bill Pay and Remote Deposit Capture for easy money management.
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Are You Cyber Safe? For Teens.

Use this interactive financial virtual coach tool to test the cyber safety smarts of teens ages 13-18.

Your teen will learn how to spot red flags and dangers online through an interactive game. 

This coach calculator is for informational purposes only and its use does not guarantee an extension of credit.

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Empowering The Next Generation

Helping You Build Strong Financial Habits

Did you know we have Banzai Teen? It's a fun approach at learning about money.

Banzai offers free choose-your-own-adventure budget simulation courses. They have real-life scenarios like having an income, paying for insurance, buying groceries and dealing with unexpected expenses. It illustrates the importance of managing money and it's also a great way to learn about finances. 

Check out some other Banzai games >>>

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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 or reorder checks here.

What are your Teen 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.

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
FREE GUIDE

Monthly Budgeting

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

*NO PURCHASE NECESSARY TO ENTER OR WlN. Void where prohibited. Open to legaI residents of the 50 U.S. or DC who ore legal age of majority before 171/21. PIN-based debit, international & corporate transactions Ineligible. Ends 12/ 31/21. Non-tap end non-ges Mastercard transactions also qualify. For Official Rules & complete details, click here. Contactless-enabled Mastercard accepted at participating locations. Visit mastercard.com/tapandgolocator for more details. Mastercard and Priceless are registered trademarks, and Start Something Priceless end the circles design ore trademarks, of Mastercard International Incorporated. All other trademarks are the property of their respective owners. ©2020 Mastercard. All rights reserved. Mastercard, 2000 Purchase Street, Purchase, NY 10577.

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