Real CashBack Checking®

Enjoy the benefits of free a checking account that pays you! Get 3% cash back on qualifying everyday check card purchases and unlimited ATM fee refunds nationwide,* and that means here in Texas or anywhere else across the country!

All you have to do to earn your rewards are things you're probably already doing, like using our free online banking and receiving convenient e-statements. Open your account online today and start reaping the benefits right away!

Summary

To receive cash back on your purchases and ATM fee refunds nationwide, simply do the following during the monthly qualification cycle:


  • Have at least ten (10) check card purchases greater than or equal to $5.00 post and settle to the account PER MONTHLY QUALIFICATION CYCLE
  • Have one direct deposit or direct withdrawal (e.g., ACH debit or credit, or on-line banking bill pay transaction) post and settle to the account PER MONTHLY QUALIFICATION CYCLE
  • Be enrolled in online banking
  • Consent to receive all account related disclosures and monthly statements electronically (e-statement)
  • Provide and maintain a valid email address

And if you don't qualify, don't worry — your Real CashBack account will still be free, and you can get right back to earning the rewards the following monthly qualification cycle.

*When the monthly qualifications are met, you will receive 3% cash back, on total qualifying purchases up to $300 that post to and settle your account during the Monthly Qualification Cycle. The cash back rewards will be credited to your account on the last day of your statement cycle. ATM transactions do not count as qualifying check card transactions for purposes of earning rewards within this account. Check card transactions processed by merchants and received by the bank as ATM transactions do not count towards qualifying check card transactions. Only check card transactions processed by merchants and received by the bank as POS transactions count towards qualifying check card transactions. The check card and bill pay transactions MUST post to and settle your account during the Monthly Qualification Cycle. They may not be in a pending status to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction is made to post to and settle an account. Qualifying Purchase means a check card purchase in an amount greater than or equal to $5.00. Monthly Qualification Cycle means a period beginning the last business day of the current monthly statement cycle through the second to last business day of the following monthly statement cycle. This product is available only to consumers (not available to business purpose accounts). This product is not available to Reward Checking customers. (Only one "reward" product per person, as determined by the social security number of the primary owner.) You must deposit $50.00 to open this account. There is no monthly or annual service charge for this account. You will not receive Real CashBack rewards if you close your account on or before the last day of your monthly qualification cycle.

Bounce disclaimer:

Bounce Protection limit is granted after account has been in good standing for 30 days. Bounce Paid Overdraft item fee of $25.00 imposed for each Bounce Paid Overdraft item. A fee may be imposed for paying overdrafts created by check, in-person withdrawal, ATM, POS, or other electronic means. You must bring account to a positive balance at least every 30 days. Typically, overdrafts will not be paid if account is not in good standing, you are not making regular deposits, or you exceed the predetermined Bounce limit. Payment of overdrafts is discretionary and we reserve the right not to pay.