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How-to: Checking Rewards
We make it simple to track your rewards in Online Banking or the Mobile App.
MCU Rewards Checking 101
We offer a checking account that rewards you for your everyday debit card purchases called MyCashback Checking. You get 4% cashback on debit card purchases up to $8 a month. That cashback reward is called a Qualified Dividend. That means in order to get your rewards you must complete specific activities. These activities are things you likely are already doing with your checking account and others just need to be set up. Below there are pictures of the QD page in online banking and other information so you can be sure to get paid.
How-to Qualify for Rewards
Below are the activities that you must complete to qualify for rewards. Below that list is further explanation of the activities.

  • At least 1 bill pay or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

Common Questions & Instructions
What is an ACH?
Automated Clearing House (ACH) is an electronic network for financial transactions in the United States. ACH processes large volumes of credit and debit transactions in batches. ACH credit transfers include direct deposit, payroll and vendor payments. ACH direct debit transfers include consumer payments on insurance premiums, mortgage loans, and other kinds of bills.

Should I use my Pin or Sign for my transaction?
Either way the transaction will count towards the 12 transactions as long as you used your MCU debit card.
How can I set up Online Banking?
You will need to call our member service team and request a password reset if you can not get into your account. It will take just a minute to reset and then you can log-in to online banking and sign into our mobile app.

How do I track my Qualified Dividends?
In online banking & the mobile app you can click on the rewards checking account in online banking. See Screenshots Below.

How do I enroll in eStatements?
In both online banking and in our mobile app you have the option to enroll in eStatements. See the screenshots below to walk through that process.
Tracking your Qualified Dividends
Not A Member Yet?
Click the button below and fill out our membership application, it takes less than 10 mins.