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Daily Cash Back Checking

Cash Back with Every Purchase. It's So Easy!

With our free Daily Cash Back Checking Account, you can earn cash every day, every time you use your debit card.1 Plus, you can opt to Power Up your account to get additional benefits! Come experience the excitement of Daily Cash Back Checking!

Open An Account

Get Up to $250 When You Set Up Direct Deposit2

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Unlock the Power of Your Spending

We are introducing a new era of banking with our free Daily Cash Back Checking Account. That's right, there are zero monthly service charges! Why settle for ordinary when you can get rewarded for every purchase? Enjoy cash back on all your debit card transactions, turning everyday spending into effortless savings. Plus, experience seamless spending whether you're shopping online, making peer-to-peer transfers, or withdrawing cash from ATMs. It's easier than ever with our digital banking app to integrate all your accounts and loans into a single, secure platform for effortless money management. Are you ready to transform your banking?

Let's Get Started!

Key Features of Daily Cash Back Checking

  • Cash Paid Every Day

    Earn cash back on every purchase, every day, no matter how big or small.

  • Zero Monthly Service Charges

    Redirect your funds towards what truly matters.

  • Instant Transfers with Zelle®

    Seamlessly transfer money to your loved ones.

  • Experience Early Paydays

    Enroll in direct deposit and receive your salary up to two days in advance.3

  • No Boundaries on Balance

    Initiate your account journey with just a dollar and relish the freedom from balance constraints.

  • On-the-Move Deposits

    Leverage the Mobile Deposit feature in the FSCU Digital Banking app.

  • Guaranteed Safety

    Rest assured, your funds receive federal insurance up to $250,000.

  • Swift Access with eStatements

    Go paperless and retrieve your statements with ease.4

Power Up Your Benefits!

Take your banking experience to the next level with our exclusive Power Up features.5 For a $9 monthly service charge, unlock a suite of premium benefits designed to help protect and enhance your financial life.6

  • Cell Phone Protection7

    Enjoy peace of mind with cell phone protection that could cover up to $800 for repairs or replacements. A $50 deductible applies. Up to two claims and maximum of $1,000 per eligible account, per twelve-month period. Covers up to four phones on a cell phone bill.

  • Telehealth8

    Access to 24/7 video or phone visits with U.S.-based board-certified, licensed and credentialed doctors ready to help with urgent care or mental health for you and your family — all with zero copays. (registration/activation required.)

  • Identity Theft Protection

    Help safeguard your identity with comprehensive identity theft monitoring and resolution service6 including credit file monitoring to $1,000,000 of identity theft reimbursement coverage7

  • Roadside Assistance7

    Stay safe on the road with 24/7 roadside assistance services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence. Maximum of two occurrences per twelve month period.

  • Fuel Savings9

    Register for the Fuel Rewards® program and save 5¢/gal on every fill-up at participating Shell stations with Extended Gold Status. Simply enter your phone number or Alt ID at the pump to see the savings instantly.

  • $hopping Rewards™

    Access exclusive online cash back shopping with thousands of leading online retailers. (registration/activation required; available via mobile and web only)

  • Health Discounts Savings

    Save on prescription drugs, vision, and dental services. This is NOT insurance (registration/activation required)

  • Travel and Leisure Discounts

    Get discounts on hotels, restaurants, rental cars, auto care, museums, sporting events, salon services and more!

  • Debit Advantage®

    Buyers Protection 7 covers items for 90 days from the date of purchase against accidental breakage, fire or theft. Extended Warranty 7 extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years. (Item(s) must be purchased entirely with a First Service Credit Union credit card, checking, or savings account.)

  • Accidental Death & Dismemberment Coverage

    Secure your family's future with financial protection in the event of an accidental death or severe injury.7

Want to See Everything Power Up Has to Offer?

Get More Details

All day. Every Day.

Start Earning Daily Cash Back Today

Apply online, give us a call, or visit one of our branches and start earning unlimited Daily Cash Back!

713-676-7777
MembershipAdvisors@FSCU.com
Apply Online

Daily Cash Back Checking FAQs

There are no monthly service charges for the Daily Cash Back Checking Account. If you choose to opt in to our Power Up program there is a $9 monthly fee.
Each time you use your debit card in person, with a digital wallet (Apple Pay / Google Pay), or when shopping online, you will earn 0.15% in cash back. At 11:59 PM each day, you will receive a deposit for any cash back you earned that day, rounded up to the nearest penny.
Cash withdrawals and electronic transfers will not earn cash back.

View More FAQs

[1]
You may earn Daily Cash Back Account rewards of 0.15% on qualifying purchases using your Daily Cash Back Account debit card. The cash reward earned is calculated and posted to the account of your choice daily. Qualifying debit card purchases include point-of-sale purchases and online purchases made with any debit card linked to your account. Debit card transactions that are not eligible for Daily Cash Back Account rewards include: transactions conducted at an ATM, peer-to-peer (P2P) payments, any cash portion of a point-of-sale purchase, loan payments or account funding made with a debit card. Courtesy Pay funds are not eligible to earn rewards. There is no maximum cash back reward amount. Refunds processed will result in a reduction of the daily cash back amount equal to the daily cash back earned for that specific transaction. If the account is closed for any reason, any cash back earned on the day of account closure will be forfeited. Program may be subject to change.
[2]
Members with existing direct deposits do not qualify. First Qualifying Direct Deposit must be received into the member’s account within 60 days successful enrollment. First Service will deposit $50 after the first month in which a total of $1,000 or more in Qualifying Direct Deposits is received; $75 will be deposited after the second month in which a total of $1,000 or more in Qualifying Direct Deposits is received; $125 will be deposited after the third month in which a total of $1,000 or more in Qualifying Direct Deposits is received. Qualifying Direct Deposits are defined as deposits from an enrolled member’s employer, payroll provider, benefits provider, pension, or the government (such as Social Security) via ACH deposit. External ACH transfers not from employers, verification or trial deposits from financial institutions, peer-to-peer transfers from services such as PayPal, Zelle, Cash App, or Venmo, mobile check deposits, cash loads or deposits, and any deposit which First Service deems to not be legitimate are not Qualifying Direct Deposits. An ACH direct deposit made available early with Early Payday does not count toward the bonus requirements until it posts to your account and is no longer pending (e.g. the pay date scheduled by your payer). Limit $250 in bonus payouts per member.
[3]
Subject to employer and/or payer terms and conditions. First Service will generally post payroll direct deposits on the day they are received, which may be up to two days earlier than the scheduled posting date. Other exceptions may apply.
[4]

A recurring fee will apply if you choose to receive an account statement in paper form; refer to the Fee Schedule for details. To avoid the paper statement fee, log in to Digital Banking to change your statement preference to eStatements.

[5]
There is a $9 monthly service charge to Power Up your account.
[6]
Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable benefits. Some benefits require eligibility, authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner. Business and organization accounts are not eligible to Power Up.
[7]
Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by the NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the credit union or any credit union affiliate.
[8]
Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance. Program may be subject to change. Registration/activation required.
[9]
Restrictions apply. See First Service Credit Union online banking or mobile app for details.