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4% of purchases bounce back to you, so it literally keeps your money in your pocket. Plus, the qualifications to earn your cash back are sweet and simple. 

Just swipe and earn

OUr Cash back checking account

This checking account pays you cash back, just for making the same purchases you would make anyway.  It's a great option for those looking to keep their checking account simple, while earning some cash along the way. 
Reward Tiers
Average Monthly Balance
4% Cash Back on
Total Purchases Up To
Maximum Cash Back Reward 
$0 - $4,999.99 $100 $4
$5,000 + $300 $12

Qualifying for the 4% cash back is easy. Simply do the following each monthly qualification cycle:

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Have at least 12 debit card purchase transactionsof at least $5 post & clear your account.
(Must be posted and cleared before 6pm on the last day of the month.)

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Receive free eStatements.

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Have 1 ACH direct deposit post & clear; have direct deposit of at least $400 in the account every month.

But wait...

There's more!

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4% cash back on debit card purchases* with  no category restrictions on cash back purchases.
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No monthly service fee and no minimum balance requirement.
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Digital Banking which includes Bill Pay and eStatements.
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Optional overdraft protection.
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Minimum opening deposit of just of $1.
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Loan discounts with active checking.

Not a member yet? You can open a savings account right along with a MyMoney checking account together online. 
Not finding the right account? We've got other options.

*Qualifying purchase transactions must post and clear the account during the monthly cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Transfers between Capital CU accounts do not count as qualifying ACH transactions. Minimum to open account is $1.
0.50% loan discount on vehicle and personal loans requires an active checking account with at least $400 in direct deposits each month and 12 withdrawals of $5 or more during the month. $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required.
Debit card purchase transactions can be made by signature or Point-of-Sale (using a PIN to make a purchase at a merchant).