Everyday spending with cash-back rewards.
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Cash-Back Spending Account
Earn 2% Cash Back on Monthly Purchases
With Cash-Back Spending you can earn 2% cash back on eligible purchases up to $400 when qualifications are met.1 This account is designed for those who want to be rewarded for their everyday transactions while still enjoying easy access to their funds.
How it works:
Getting cash back is simple! You can qualify by doing things you might already do, like shopping or direct depositing your paycheck. Here's what you need each month to qualify:
- At least 15 point-of-sale (POS) transactions
- At least one direct deposit or ACH
- Be enrolled in eStatements
If you don’t qualify for rewards in a given month, no worries! Your account still has no monthly fees2 and a variety of member benefits you can count on.
Enjoy more with Cash-Back Spending. Not only will you earn cash back on eligible purchases, but you’ll gain access to helpful banking tools that make managing your finances easier than ever. It’s the checking account that works as hard as you do.
With Cash-Back Spending you get:
2% Cash Back
No category restrictions. Earn cash back1 on everyday debit purchases, every month.
No Monthly Service Fee
No service fees, ever.2
 Mobile App with Remote Check Deposit
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 eStatements
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 Online Banking with
Bill Pay
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 Mastercard® Debit Card
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 No Minimum Deposit
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Avoid potential frustration and ensure your transactions are covered with Overdraft Privilege or Credit Reserve (PDF)
Meet with Us
Schedule an appointment to meet with a member representative at your nearest branch.
Instant Answers
All you have to do is open the account, be enrolled in eStatements, and make sure that 15 point of sale transactions and one Automated Clearing House (ACH) or direct deposit posts during each Monthly Qualification Cycle.
No problem! If you don’t qualify for rewards in a given month, your account still has no monthly service fees, and you can easily qualify the next month.
A Monthly Qualification Cycle is based upon the calendar month, during which you can try to qualify for 2% cash back on the first $400 you spend.
You can earn 2% cash back on up to $400 with the opportunity to earn up to $8 each month. Any purchases above and beyond this, before the end of the month, would not earn cash back.
There is no minimum checking account deposit. As long as you have $5 in a Share Savings account, you can open a Cash-Back Spending account with any deposit amount.
For Your
Convenience
Easily access your monthly statements online.
Download the Credit Union West Mobile Banking app to access your account on the go.
Free Bill Pay makes it easy to automate online payments from your checking.
Transfer money into your account, review balances and more.
1If qualifications are met each monthly qualification cycle you will receive 2.00% cash back on debit card transactions and credit card purchases that post and settle to your account during the monthly qualification cycle up to a total of $400. Cash back not to exceed $8.00 per monthly qualification cycle. Qualifying debit card transactions and credit card purchase transactions must post and settle to the account during monthly qualification cycle. Debit and credit card transactions may take one or more business days from the date transaction occurred to post and settle to the account. Only debit card transactions processed by merchants and received by the credit union as point-of-sale (POS) purchase transactions count toward qualifying debit card transactions. The following activities do not count toward earning account rewards: ATM–processed transactions; transfers between accounts; and debit card transactions processed by merchants and received by the credit union as ATM transactions. “Monthly Qualification Cycle” is based upon the calendar month. Rate may change after account is opened and fees could reduce earnings. Any taxes are the responsibility of the recipient and are reported on a 1099-MISC. For additional account details please refer to the Cash-Back Spending Qualification Details.
2 ”no-fee” – No monthly service fee; however, fees incurred for overdrafts and/or stop payments may apply. Refer to our Fee Schedule and membership account agreement for further details.
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