Nationally Available Cash Back Checking Accounts, 17 August 2026

There are two Cash Back Checking accounts making their Deposit Quest debut this week:

Membership in both CommonWealth One and Department of Commerce Federal Credit Union is available by joining the American Consumer Council.

A Cash Back Checking account rewards the account holder by giving them an opportunity to earn a percentage of their debit card purchases back in cash. In other words, instead of just warehousing your funds, a Cash Back Checking account pays you for using the account.

Some banks and credit unions offer Cash Back Checking accounts in addition to offering Rewards Checking accounts. So what’s the difference?

• Rewards Checking earns interest on the account balance each month.

• Cash Back Checking pays cash back on debit card purchases.

For example,

While the structure of Cash Back Checking and Rewards Checking accounts are different, the monthly qualifying requirements are usually the same.

N.B. - It’s usually a “one or another” situation with most financial institutions that offer both Cash Back Checking and Rewards Checking accounts. You are limited to either a Cash Back Checking account OR a Rewards Checking account.

The spreadsheet at the bottom of this page lists 23 nationally available Cash Back Checking accounts, listed in order of maximum cash back per month. The following are four accounts that have potential monthly payouts of $15 or greater.

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The links in the spreadsheet go to either the product landing page or the financial institution rate page.