Spend. Earn. Get Cash Back
Get cash back on debit card purchases , plus refunds on ATM surcharge fees.*
Heritage Cash Back Checking
Cash Back, Every Time You Swipe
Whether you’re making purchases online or in-store, earn 5.00% cash back on debit card purchases.^ With Heritage Cash Back Checking, there are no category restrictions on purchases, no monthly maintenance fees, and no minimum balance to earn cash back rewards.
| Product Details | – Free checking that pays you back – Get 5.00% cash back on debit card purchases* – No category restrictions on purchases – Cash back earned on as much as $500 in purchases monthly – Earn as much as $300 cash back per year, $25 per month* – ATM surcharges? Always on us.* HFCU ATM fees? Covered 4× per month – Link to free Heritage High Yield Savings to build savings automatically – No monthly maintenance fee – No minimum balance to earn rewards – No minimum deposit to open |
| Qualifications to Earn Cash Back | Enrollments must be in place and all of the following transactions and activities must post and settle to your Heritage Cash Back Checking account during each Monthly Qualification Cycle: – At least 12 debit card purchases – At least 1direct deposit or ACH credit transaction – Be enrolled in and agree to receive e-Statements |
And if you don’t meet these qualifications, don’t worry — your account is still free. And you can get right back to earning your cash rewards the very next cycle that you qualify.
Member Benefits Through Benefits Plus®
Use a checking or savings account with HFCU and unlock access to our Member Benefit Program!
Members enjoy exclusive perks designed to add value, savings, and convenience to everyday banking. This premium membership recognizes loyalty with enhanced benefits and special privileges for only $5 per month. Below are just a few of the many benefits available to you!
| Ultimate ID® Plus Program | $1Million Identity Theft Insurance, Driver’s License, Social Security, 3-Bureau Daily Credit, Dark Web Monitoring and more! |
| Full-Service Concierge Travel Suite | Guaranteed Lowest Pricing & 3% – 5% Cash Back |
| TicketXpress™ Entertainment Suite | Discounted Tickets for Movies, Sports, Concerts, Theme Parks, Theaters & more! |
| Cellular Care Coverage | Up to $600 |
| Health & Wellness: | 24/7 Telemedicine Doctor, Pharmacy, Vision Care and Alert1 & more! |
| Family Benefits: | Discounted 24-Hour Road Service, Discounted Pet Health Insurance, College Care Packages and more! |
Heritage Cash Back Account Disclosures
View our Statement and Monthly Qualification Cycle Information.
*Account Disclosures
Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, credit card purchases, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
“Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.
Contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
“Banking Day” means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing.
“Business Day” means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, June 19, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, June 19, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.
“Statement Cycle” means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. Contact one of our branch service representatives for specific Statement Cycle dates.
Reward Information:
When Heritage Cash Back Checking qualifications are met during a Monthly Qualification Cycle, you will receive 5.00% cash back on up to a total of $500 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $25.00 cash back payments may be earned per Monthly Qualification Cycle.
You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Heritage Cash Back Checking account during that Monthly Qualification Cycle. We reimburse ATM surcharge fees up to $4 per transaction based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM surcharge reimbursements up to $4 per transaction only apply to Heritage High Yield Checking and Heritage Cash Back Checking transactions via ATM; Heritage High Yield Savings ATM transaction fees are not reimbursed nor refunded.
When your Heritage Cash Back Checking account qualifications are not met, no cash back payments are made and ATM surcharge fees are not refunded.
Cash back payments and nationwide ATM surcharge fee reimbursements will be credited to your Heritage Cash Back Checking account on the last day of the current statement cycle.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.
Additional Information:
Membership restrictions may apply.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
No minimum deposit is required to open the account.
Monthly Direct Deposit/ACH credit, and enrollment in eStatements are conditions of these accounts.
Heritage Cash Back Checking: ATM surcharge refunds are available up to $4 per transaction and do not cover any internal or institution-assessed ATM fees. HFCU will cover institutional and internal ATM fees for the first four transactions each month.
Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.
Limit of one account(s) per member (SSN).
There are no recurring monthly maintenance charges or fees to open or close this account.
This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Federally insured by NCUA