Made for How You Move
You spend. We give back. That’s the heart of Ellafi’s Cashback Checking.
Whether you’re buying groceries, grabbing coffee, or picking up the little things that make life smoother—your everyday spending should reward you. With Cashback Checking, you'll earn real cash rewards just for using your debit card and making regular deposits.
Details
- Free checking that pays you back
Earn 2.00% cashback on debit card purchases1—up to $10 per month if you meet your monthly qualifiers - No monthly service fees.2
No monthly service charges and no minimum balance requirement - Free debit card rewards.
Take advantage of our FREE debit card rewards program! - Access 30,000+ ATMs.
Access surcharge-free ATMs nationwide through the CO-OP ATM Network. - Anywhere banking tools.
Manage your money with our Online Banking, Bill Pay, Mobile Banking App, Mobile Deposit and eStatements. - You’re always in control.
Can’t find your Ellafi FCU debit card? No worries. You can instantly disable your debit card within the Ellafi FCU online or mobile app. There’s no need to call. And if you find your card – it’s just as easy to enable transactions again.
Here’s How You Qualify
- Use your debit card for 20 or more purchases
- Make deposits (of any kind, excluding transfers within Ellafi) totaling $500 or more each month
That’s it. Even if you don’t meet your qualifications one month, you’ll still earn 1% cashback—up to $5. And the next month? You’re right back on track to earn even more. Because at Ellafi, we believe every step forward deserves a reward.
Digital Wallets
Ellafi FCU offers a variety of mobile payment options to help add security and simplicity to your life—and we are constantly adding even more options. For instance, your debit card lets you make payments from your checking account via:
- Apple Pay
- Google Pay
- Samsung Pay
Learn more about Digital Wallets
Keep Your Account Protected
Opt in for overdraft privileges on your debit card
Ellafi Federal Credit Union's overdraft protection program is designed with your protection and convenience in mind. The vast majority of our members do not overdraw their accounts and never incur fees, however life doesn't always go according to plan, and overdrafts do occur. We offer many ways to protect your transactions. Without extending overdraft protection to your debit card, your ATM and everyday debit card transactions may be declined if you attempt to make a transaction without sufficient funds.
Build Money Skills with Enrich Financial Wellness
Everyone is different, and that impacts how you handle money. With Enrich Financial Wellness, simply answer a few quick questions and the platform will build a personalized action plan to enhance your money management skills. Enrich Financial Wellness is free for all Ellafi members! When you sign up, you gain access to:
- Financial recommendations tailored to you
- Suggested content on everything from budgeting to saving for retirement
- An analysis of your money personality
- Video tutorials with easy, everyday money tips and tricks
- In-depth financial courses with progress tracking
- And more!
Sign up and start learning in less than 10 minutes.
Disclosures
1 Each monthly statement cycle, if you meet the qualifications—completing 20 or more debit card purchases and making total deposits of $500 or more (excluding internal transfers within Ellafi)—you’ll earn 2.00% cash back on eligible debit card purchases, up to $10.00. If qualifications aren’t met, you’ll still earn 1.00% cash back, up to $5.00. Cash back rewards are credited to your Cashback Checking account on the first day of the following month. The statement cycle runs from the first to the last day of the calendar month. Only purchases made with your Ellafi debit card tied to this account are eligible. ATM withdrawals, ATM-processed transactions, internal transfers, and debit card transactions processed as ATM transactions are not eligible. Membership requires a savings account, and each member/social security number is limited to one Cashback Checking account.
2While there are no monthly maintenance fees or minimum balance requirements for Cashback Checking, certain fees may apply—including those related to inactive debit cards, dormant online banking, overdrafts, or Courtesy Pay. For full details, please refer to Ellafi’s current Fee Schedule.