A personal checking account that earns you cashback on purchases

Cashback Checking benefits

We've got you covered

  • Earn a monthly cashback bonus each month (see requirements)1
  • Ideal Debit MasterCard® , Digital Banking and full access to Ideal's Mobile App with Mobile Check Deposit, bill pay services and more
  • Access to a huge ATM Network
  • A monthly chance to win $1,000 when you use your Ideal Debit Card for everyday purchases (Learn more)

Open an account

How to earn cashback each month

Earn a monthly cashback bonus1 based on the amount of total signature-based transactions made with your Ideal Debit MasterCard® each month. Qualify by meeting the following requirements each month:

  • $200 or higher monthly direct deposit
  • Be enrolled in eStatements
  • One (1) or more bill payment per month using Ideal Online Banking
  • Five (5) or more signature Ideal Debit Card transactions per month

1. You earn .25% cash back rewards based on the total amount of net signature-based Ideal Debit Card purchases made during the statement cycle. Qualifying purchases include all net signature-based purchases processed over the VISA network. Purchases authorized with a PIN or ATM transaction do not apply.


Cashback Checking pricing and account information

Minimum opening deposit

  • $50

Monthly service fee

  • $0

Other fees and information

See Ideal Credit Union's Fee Schedule (PDF). For more detailed information about Ideal Credit Union Deposit Accounts, see Ideal CU Member Account Agreement (PDF).

2018 Holiday Hours


New Year's Day
Monday, January 1st
All locations closed.


Martin Luther King Jr Day
Monday, January 15th
All locations closed.


Presidents' Day
Monday, February 19th
All locations closed.


Good Friday
Friday, March 30th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 28th
All locations closed.


Independence Day
Wednesday, July 4th
All locations closed.


Labor Day
Monday, September 3rd
All locations closed.


Columbus Day
Monday, October 8th
All locations closed.


Veterans Day
Monday, November 12th
All locations closed


Thanksgiving Day
Thursday, November 22nd
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Eve
Monday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.


Christmas Day
Tuesday, December 25th
All locations closed.


New Year's Eve
Monday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day
Tuesday, January 1st
All locations closed