Skip to content

Think of every swipe as a reward in the making — Xtra CashBack® pays 4.00% cash back on debit card purchases!*

Key Features

High Interest Rewards

ATM Refunds

Digital Banking

  • Free checking that pays you back
  • 4.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $200 in purchases monthly
    • Earn up to $96 cash back per year, $8 per month
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
  • Link to free Xtra Saver to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free digital banking services
  • Free EMV debit card
  • $50 minimum deposit to open

Here’s How You Qualify

Enrollments must be in place and all of the following transactions and activities must post and settle to your Xtra CashBack Checking account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH credit, or ACH payment transaction
  • At least 15 debit card purchases
  • Be enrolled in and agree to receive eStatements

That's it. Even if you don't meet your qualifications during the cycle, your Xtra CashBack Checking account is still free. And you can get right back to earning your cash rewards the very next month!

*Minimum to open Xtra CashBack is $50. When monthly qualifications are met, you receive 4% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $8 per monthly qualification cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Xtra CashBack rewards from Xtra CashBack are automatically transferred to Xtra Saver at the beginning of the following statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 if qualifications are met within monthly qualification cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.