Accounts Offered - Personal & Business

Cash Back Checking        

Cash Back Checking Account at Trona Valley FCU

Most banks want money just to let you have a checking account. Instead, Trona Valley brings you Cash Back Checking; a free checking account that does just what it says it does. It gives you cash back, with no points to accumulate and no category restrictions.

By making everyday purchases with your debit card, you'll get 2% cash right back in your wallet, where it belongs*. Plus, you also get nationwide ATM fee refunds*, so every ATM is your ATM!

  • 2% cash back on debit card purchases that post and settle*
  • Up to $4 in cash back per monthly cycle*
  • No points to accumulate or category restrictions
  • ATM fee refunds nationwide*
  • No monthly service fee
  • No minimum balance to earn rewards
  • Unlimited check writing and debit card use
  • Free Visa® debit card
  • Free online banking and bill pay
  • Free eStatements required to receive earnings
  • Nationwide access to over 5,000 branches through Shared Branching
  • Overdraft Privilege available
  • No minimum to open
  • Opened upon approved credit

Plus, you can get great savings interest rate by pairing this account with a free High Yield Savings account*.


Qualifying is easy. Just complete the following transactions and activities in Cash Back Checking each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled in free paperless eStatements each month
  • Have at least one monthly direct deposit, ACH automatic debit, or bill payment post and settle

That's it! And don't worry if you miss a qualification cycle. The account is still free and there's no penalty. You can get right back to earning cash back and ATM refunds the next cycle that you qualify.

*Rates may change after account is opened. When monthly qualifications are met, you will receive 2% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $4 per monthly qualification cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 ($9.99 per single transaction) if qualifications are met within monthly qualification cycle. ATM receipt must be presented for reimbursement of an individual ATM fee of $9.99 or higher.