Cash Back Checking Account
Cash Back Checking Account
Why wait weeks or months to enjoy your rewards? With Cash Back Checking, every eligible debit card purchase can help put money back in your pocket. Earn unlimited cash back on everyday spending, receive your rewards the next business day, and enjoy an account that's simple, rewarding, and designed around the way you already bank.
No monthly service fee. No minimum balance requirements. No complicated qualifications. Just cash back on eligible purchases and banking that works for you.
Cash Back Account Benefits
Earn Unlimited Cash Back
Earn cash back on every eligible debit card purchase and enjoy rewards without limits.Enjoy Daily Earnings
No waiting for monthly reward cycles. Cash back earned today is deposited directly into your account the next business day.No Monthly Service Fee
Keep more of what you earn with a checking account that doesn't charge a monthly service fee.
Get Paid 2 Days Early
Get your paycheck up to two days sooner and access your money faster with direct deposit to your account.
Round Up Your Change
Round up your debit card purchases to the nearest dollar and choose to save it, donate it, or split between both.
Overdraft Protection Options
No overdraft fee applies when you use your Texans Savings or personal line of credit account to pay overdrafts.
Card Manager
Access personalized financial tools designed to make your life easier. Set transaction details, view spending insights, turn your card on and off, and more.
How Cash Back Checking Works
1. Open Your Cash Back Account
Apply online in minutes or visit a Texans branch to get started. You can open your new Cash Back account with as little as $1.
2. Use Your Texans Debit Card
Use your Texans Visa debit card for your everyday purchases, including purchases made with your digital wallet.
3. Earn Cash Back Automatically
Earn unlimited cash back on eligible purchases without having to enroll in reward categories or track bonus promotions.
4. Get Rewarded the Next Day
Cash back is deposited directly into your account the following business day, making it easy to see your rewards add up.
Cash Back Account Details
The Texans Cash Back Checking account helps you earn rewards on the purchases you already make. Whether you're buying groceries, fueling up, dining out, or shopping online, eligible debit card purchases can earn cash back that is deposited directly into your account.
With access to more than 80,000 surcharge-free ATMs nationwide, Digital Banking tools that help you manage your money, and a Texans Visa debit card accepted worldwide, Cash Back Checking makes everyday banking more rewarding.
Your account also includes:
- Unlimited cash back on eligible debit card purchases
- Rewards deposited directly into your checking account
- Cash back posted the next business day
- No monthly service fee and no minimum balance requirement
- Access to over 80,000 surcharge-free ATMs nationwide
Digital & Mobile Banking
Bank wherever life takes you. With Texans Digital Banking and the Texans CU mobile app,1 you can:
- Track your cash back deposits
- View balances and transaction history
- Transfer funds between accounts
- Manage your debit card
- Monitor spending and savings goals
Texans Debit Card Benefits2
- Cellular Telephone Protection
Get reimbursed if your cell phone is stolen or damaged when you use your Texans Visa debit card to pay your wireless cell phone bill.
- Dovly Uplift
Benefit from a higher credit score with credit monitoring and dispute management with Dovly Uplift. Put Dovly to work helping to fix, manage, and maintain your credit score.
- Roadside Dispatch
As a Texans Visa debit cardholder, you have access to Roadside Dispatch®, a pay-per-use roadside assistance program that arranges a dispatch to a reliable tow operator or locksmith.
Cash Back Checking Faqs
A cash back account rewards you for your everyday debit card purchases by giving you a percentage of cash back when you use your debit card.
The Texans Cash Back Account offers 0.20% cash back on eligible debit card purchases of $2.50 or more. There are no limits on how much you can earn and your earned cash back is deposited into your account the very next business day.
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Learn More* Earn 0.20% cash back on eligible debit card purchases of $2.50 or more that post to your Texans Cash Back account. Cash back is calculated daily on eligible posted transactions and credited to the account on the next business day. Eligible transactions include PIN, PIN-less, and point-of-sale (POS) debit card purchases made with any debit card associated with this account. Cash back is not earned on ATM transactions and person-to-person payments (including but not limited to PayPal, Zelle, Cash App, and Venmo). If a purchase is returned or refunded, any cash back earned from that transaction will be deducted from the total cash back earnings for that day or deducted from your account. Cash back earned from fraudulent or unauthorized transactions may be reversed or deducted from your account. If the account is closed, any cash back earned for that day will be forfeited. Minimum balance of $1 required to open a Texans Cash Back account. A $2 paper statement fee will apply if not enrolled in eStatements. Texans CU reserves the right to modify the Cash Back program at any time. Cash back earnings are considered dividends and will be reported to the IRS as required.
1 Texans does not charge a fee for mobile banking, text message banking or any of our smart phone apps. Mobile carriers may assess standard text messaging and/or cell phone data usage charges. Please check with your service provider for more information.
2 Full benefits explained in the Texans Visa Debit Card Guide to Benefits disclosures provided with card agreement. Ask a Texans representative for more details.
VISA is a registered trademark of Visa International Services Association.
