{"id":4798,"date":"2025-12-15T14:13:31","date_gmt":"2025-12-15T18:13:31","guid":{"rendered":"https:\/\/www.skypointfcu.com\/wph\/workarea\/?page_id=4798"},"modified":"2025-12-15T14:13:56","modified_gmt":"2025-12-15T18:13:56","slug":"cash-back-checking","status":"publish","type":"page","link":"https:\/\/www.skypointfcu.com\/wph\/workarea\/bank\/checking\/cash-back-checking\/","title":{"rendered":"Cash Back Checking"},"content":{"rendered":"<div class=\"band content-hero-v003 content-fullwidth\"><div class=\"zone\"><div class=\"feature-wrap\"><div class=\"feature-wrap-title\"><h1>SkyPoint Cash Back Checking<\/h1><h4>The checking account that gives you cash back<\/h4><a href=\"https:\/\/app.loanspq.com\/apply.aspx?lenderref=mcefcu080615&#038;list=XA1S&#038;referralsource=Website&#038;BRANCHID=3690c1163d914f11ade008f458f87160\" target=\"_self\" class=\"btn-blue-1\">Open now<\/a><a href=\"https:\/\/app.loanspq.com\/cu\/ViewSubmittedLoans.aspx?lenderref=mcefcu080615\" target=\"_self\" class=\"btn-blue-1\">Check status<\/a><\/div><div class=\"feature-wrap-image\"><figure class=\"feature-wrap-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2025\/11\/Website-Banners-1600x640-1.png\" alt=\"\"><\/figure><\/div><\/div><\/div><\/div>\n\n<div class=\"band content-fullwidth\"><div class=\"zone\"><div class=\"feature-wrap feature-wrap-promos-2\">\n<div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-image\"><figure class=\"feature-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2025\/11\/Website-Imagery-600x400-1.png\" alt=\"\"><\/figure><\/div><!--feature-image--><div class=\"feature-content\"><div class=\"feature-content-text\"><h2>When You\u2019re Looking for More From Your Checking<\/h2>\n\n<ul>\n<li><strong><span style=\"color: #808080;\">Get 2% cash back<sup>1<\/sup><\/span><\/strong>\n<ul>\n<li><span style=\"color: #808080;\">Earn a 2% cash back rebate on qualifying debit card transactions when your account qualifies each month.<\/span><\/li>\n<\/ul>\n<\/li>\n<li><strong><span style=\"color: #808080;\">Get up to $20 in ATM refunds<sup>2<\/sup><\/span><\/strong>\n<ul>\n<li><span style=\"color: #808080;\">Get up to $20 in non-SkyPoint ATM fees reimbursed each month.<\/span><\/li>\n<\/ul>\n<\/li>\n<li><strong><span style=\"color: #808080;\">Free Visa\u00ae debit card<\/span><\/strong>\n<ul>\n<li><span style=\"color: #808080;\">Convenient access to your funds anywhere Visa\u00ae is accepted.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n<\/div><\/div><!--feature-content--><\/div><!--feature-padding--><\/div><!--feature-->\n<\/div><!--feature-wrap--><\/div><\/div>\n\n<div class=\"band\"><div class=\"zone zone-custom-content-block-3\"><div class=\"zone-title\"><h2>All SkyPoint checking accounts come with amazing benefits like:<\/h2><\/div><div class=\"feature-wrap\">\n<div class=\"feature clickable-div clickableDiv\"><div class=\"feature-padding\"><button class=\"feature-image panel-closed\" ncr-toggle=\"24_7_access\"><figure class=\"feature-image-inner\" style=\"color:\"><span class=\"fa fa-university\" aria-label=\"icon\" role=\"img\"><\/span><\/figure><h2>24\/7 access<\/h2><span class=\"fas fa-caret-down\" aria-label=\"caret\" role=\"img\"><\/span><\/button><!--feature-image--><div class=\"feature-content panel-closed panel-off-900 panel-accordion\" ncr-panel=\"24_7_access\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><p>Get what you need with online, mobile, and telephone banking.<\/p><\/div><\/div><\/div><!--feature-content--><\/div><!--feature-padding--><\/div>\n\n<div class=\"feature clickable-div clickableDiv\"><div class=\"feature-padding\"><button class=\"feature-image panel-closed\" ncr-toggle=\"overdraft_protection\"><figure class=\"feature-image-inner\" style=\"color:\"><span class=\"fa fa-umbrella\" aria-label=\"icon\" role=\"img\"><\/span><\/figure><h2>Overdraft protection<\/h2><span class=\"fas fa-caret-down\" aria-label=\"caret\" role=\"img\"><\/span><\/button><!--feature-image--><div class=\"feature-content panel-closed panel-off-900 panel-accordion\" ncr-panel=\"overdraft_protection\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><p>Transfer from your savings account or personal line of credit.<\/p><\/div><\/div><\/div><!--feature-content--><\/div><!--feature-padding--><\/div>\n\n<div class=\"feature clickable-div clickableDiv\"><div class=\"feature-padding\"><button class=\"feature-image panel-closed\" ncr-toggle=\"courtesy_pay\"><figure class=\"feature-image-inner\" style=\"color:\"><span class=\"fa fa-dollar-sign\" aria-label=\"icon\" role=\"img\"><\/span><\/figure><h2>Courtesy pay<\/h2><span class=\"fas fa-caret-down\" aria-label=\"caret\" role=\"img\"><\/span><\/button><!--feature-image--><div class=\"feature-content panel-closed panel-off-900 panel-accordion\" ncr-panel=\"courtesy_pay\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><p>When you&#8217;re short on cash, SkyPoint checking has you covered up to $750.\u00b3<\/p><\/div><\/div><\/div><!--feature-content--><\/div><!--feature-padding--><\/div>\n<\/div><!--feature-wrap--><\/div><!--band-cta--><\/div>\n\n<div class=\"band content-fullwidth band-custom-tabbed-content-1\"><div class=\"zone\"><div class=\"feature-wrap\"><div class=\"feature-wrap-title\"><h2>Create the Right Experience for You<\/h2><h4>Find the account thats right for your lifestyle<\/h4><\/div><div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-content\">\n<div class=\"feature-cta\"><a href=\"javascript:void(0);\" class=\"panel-closed\" ncr-toggle=\"simplechecking_img_tab\"><span class=\"text\">Simple Checking<\/span><\/a><\/div><div class=\"feature-content-text panel-closed panel-accordion panel-cant-close panel-no-trap\" ncr-panel=\"simplechecking_img_tab\"><div class=\"feature-content-text-promo\"><div class=\"feature-content-text-promo-image\"><figure class=\"feature-content-text-promo-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2025\/10\/09224SKY2025CheckingPage-Images600x400Option8.jpg\" alt=\"\"><\/figure><\/div><div class=\"feature-content-text-promo-cta\">\n\n<p>Looking for the simple way to manage your money? A Simple Checking account is your solution! Simple Checking offers:<\/p>\n<ul>\n<li>No minimum balance<\/li>\n<li>No monthly service charges<sup>1<\/sup><\/li>\n<li>Free Visa\u00ae debit card with purchase rewards<\/li>\n<\/ul>\n<p><a class=\"btn-blue-1\" href=\"https:\/\/app.loanspq.com\/xa\/xpressApp.aspx?enc=Kw21Wblm1yxpjJabdoZaDwuTQMGJjtBK-j348-MIQ5btMbGQWEmpap06RO0QWrpGylZi_EdIGWrpEDwTUGmt4_IfVHCEeRoABLf7P7-dc0M1KKtYKLUEJRLnYQmj-uxokcO6UUsumVEFo2UHBUtz-irDVctPtm-NRyXcwnJiVlYPP93Qq6_fqkDRui4JGw2nzwvHapFh9zDfmaNLThdheTow_craGftHLLNGTHDIWAWLX-vaRSlJie0Ople7ybLSOe6tqvAqNTV2GrpcF_z06g\">Open Yours Today<\/a><\/p>\n<p><a class=\"btn-blue-1\" href=\"https:\/\/www.skypointfcu.com\/bank\/checking\/simple-checking\/\">Learn More<\/a><\/p>\n\n<\/div><\/div><\/div>\n\n<div class=\"feature-cta\"><a href=\"javascript:void(0);\" class=\"panel-closed\" ncr-toggle=\"highyieldchecking_img_tab\"><span class=\"text\">High Yield Checking<\/span><\/a><\/div><div class=\"feature-content-text panel-closed panel-accordion panel-cant-close panel-no-trap\" ncr-panel=\"highyieldchecking_img_tab\"><div class=\"feature-content-text-promo\"><div class=\"feature-content-text-promo-image\"><figure class=\"feature-content-text-promo-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2025\/10\/09224SKY2025CheckingPage-Images600x400Option3.jpg\" alt=\"\"><\/figure><\/div><div class=\"feature-content-text-promo-cta\">\n\n<p>When you are looking for a little more from your checking account, choose High Yield Checking from SkyPoint. High Yield Checking\u2019s features allow you to:<\/p>\n<ul>\n<li>Earn up to 4.0% APY<sup>2<\/sup> on your balance.<\/li>\n<li>Get up to $20 in ATM fee refunds per month.<sup>1<\/sup><\/li>\n<li>Receive a free Visa\u00ae debit card.<\/li>\n<\/ul>\n<p><a class=\"btn-blue-1\" href=\"https:\/\/app.loanspq.com\/xa\/xpressApp.aspx?enc=Kw21Wblm1yxpjJabdoZaDwuTQMGJjtBK-j348-MIQ5btMbGQWEmpap06RO0QWrpGylZi_EdIGWrpEDwTUGmt4_IfVHCEeRoABLf7P7-dc0M1KKtYKLUEJRLnYQmj-uxokcO6UUsumVEFo2UHBUtz-irDVctPtm-NRyXcwnJiVlYPP93Qq6_fqkDRui4JGw2nzwvHapFh9zDfmaNLThdheTow_craGftHLLNGTHDIWAWLX-vaRSlJie0Ople7ybLSOe6tqvAqNTV2GrpcF_z06g\">Open a High Yield Checking<\/a><\/p>\n<p><a class=\"btn-blue-1\" href=\"https:\/\/www.skypointfcu.com\/bank\/checking\/high-yield-checking\/\">Learn More<\/a><\/p>\n\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"band content-fullwidth band-custom-feature-slider\"><div class=\"band-title\"><h2>Open in 3 easy steps<\/h2><\/div><div class=\"band-image\"><figure class=\"band-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2024\/12\/2CGeneral-Deposit-Accounts600x400.jpg\" alt=\"man looking at phone\"><\/figure><\/div><div class=\"zone\">\n<div class=\"feature-wrap feature-wrap-custom-feature-slider-images\">\n<div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-image\"><figure class=\"feature-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2021\/07\/phone-image_applynow-355x490-1.png\" alt=\"SkyPoint Apply Now Savings\"><\/figure><\/div><\/div><\/div>\n\n<div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-image\"><figure class=\"feature-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2021\/07\/phone-image_loans6-355x490-1.png\" alt=\"\"><\/figure><\/div><\/div><\/div>\n\n<div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-image\"><figure class=\"feature-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2021\/07\/phone-image_loans4-355x490-2.png\" alt=\"SkyPoint Account confirmation\"><\/figure><\/div><\/div><\/div>\n<\/div>\n\n<div class=\"feature-wrap feature-wrap-custom-feature-slider-nav\">\n<div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><h3>Step 1<\/h3><h4>Eligibility<\/h4><p>Double check your membership eligibility. You may qualify based on where you live, work, attend school, worship, or volunteer.<\/p><\/div><\/div><\/div><\/div>\n\n<div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><h3>Step 2<\/h3><h4>Gather your information <\/h4><p>We will need your personal information and a valid identification.<\/p><\/div><\/div><\/div><\/div>\n\n<div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><h3>Step 3<\/h3><h4>Membership application<\/h4><p>Submit a membership application. You can become a member with just a regular savings account and five dollars.<\/p><\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n<div class=\"band content-fullwidth\"><div class=\"zone\"><div class=\"feature-wrap feature-wrap-custom-product-block blue-blue\"><div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-content\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><h2>Get started today!<\/h2><p>Open your new Checking account in minutes!<\/p><\/div><\/div><div class=\"feature-cta\"><a class=\"\" href=\"https:\/\/app.loanspq.com\/apply.aspx?lenderref=mcefcu080615&#038;list=XA1S&#038;referralsource=Website&#038;BRANCHID=3690c1163d914f11ade008f458f87160\" target=\"_self\">Open now<\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n<p><sup>1<\/sup>Members enrolled in SkyPoint Cash Back Checking earn 2% cash back rebate each month on all qualified debit card transactions during the month. Members must be enrolled in estatements, deposit or withdraw at least $250 using ACH, and have at least 20 debit card transactions during the monthly period to qualify for the cash-back rebate.<\/p>\n\n\n\n<p><sup>2<\/sup>Non-SkyPoint ATM fees will be reimbursed up to $20 per month for members enrolled in SkyPoint Cash Back or SkyPoint High Yield Checking when qualifications are met. Members must be enrolled in estatements, deposit at least $250 using ACH, and have at least 20 debit card transactions during the monthly period to qualify for ATM fee refunds.<\/p>\n\n\n\n<p><sup>3<\/sup>Please refer to our Courtesy Pay Disclosure for more information.<\/p>\n","protected":false},"excerpt":{"rendered":"1Members enrolled in SkyPoint Cash Back Checking earn 2% cash back rebate each month on all qualified debit card transactions during the month. Members must be enrolled in estatements, deposit or withdraw at least $250 using ACH, and have at least 20 debit card transactions during the monthly period to qualify for the cash-back rebate. [&hellip;]","protected":false},"author":35,"featured_media":0,"parent":4760,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"template_back.php","meta":{"_lmt_disableupdate":"","_lmt_disable":"","attr_excerpt":[],"footnotes":""},"class_list":["post-4798","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cash Back Checking - SkyPoint Federal Credit Union<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cash Back Checking - SkyPoint Federal Credit Union\" \/>\n<meta property=\"og:description\" content=\"1Members enrolled in SkyPoint Cash Back Checking earn 2% cash back rebate each month on all qualified debit card transactions during the month. 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