CashBack Checking & Real Saver

  • Home
  • Personal Banking
  • CashBack Checking & Real Saver

Earn Cash Back on your Everyday Spending with Union State Bank.

Welcome to CashBack Checking with REAL Saver.

CashBack Checking pays you cash back on your debit card purchases, plus nationwide ATM fee refunds**. Add a REAL Saver to have your cash back transferred to savings. These free accounts work together so your savings builds itself.


The Benefits of Each Account Include: 

CashBack Checking REAL Saver 
5.00% cash back on up to $200
of debit card purchases each cycle*
 1.00% APY*
for balances up to $25,000
ATM Fee Refunds up to $25 each cycle** 0.50% APY*
for balances over $25,000
Each monthly cycle comes with a new
chance to earn these benefits.
 0.05% APY*
when qualifications are not met


To receive these benefits each monthly qualification cycle, we ask you to do a few simple things in your CashBack Checking:


  • Receive E-Statements
  • Access Online Banking
  • Have at least 10 MC Debit Card purchases post and settle
  • Have at least 1 Direct Deposit or ACH Auto Debit post and settle
Don’t worry … If for some reason you don’t meet these requirements one cycle, your account is still FREE and you still receive 0.05% APY on your balance in your REAL Saver for that cycle. You will then start fresh to earn benefits for your next cycle.

View Qualification Periods

When you’re ready to open a CashBack Checking account with REAL Saver, come in and see us at any of our eight Union State Bank Branches or Apply Online!

View our Locations and Branch Information here. 

When CashBack qualifications are met during a monthly qualification cycle, you will receive 5% cash back on up to a total of $200 debit card purchases that post and settle to the account during that cycle period.  A maximum of $10 cash back payments may be earned per Monthly Qualification Cycle.  Annual Percentage Yield (APY) accurate as of 04/02/2024. Real Saver tiers are as follows:  1.00% APY applies to balances of $0-$25,000 and 0.50% APY applies to balances over $25,000 if qualifications are met during monthly qualification cycle on CashBack Checking. All balances will earn 0.50% - 1.00% APY if qualifications are met on CashBack Checking. Qualifying transactions must post and clear the CashBack Checking during monthly qualification cycle. Transactions may take one or more business days from transaction date to post to an account. Intra-bank transfers do not count as qualifying transactions. Rates may change after account is opened. Fees may reduce earnings.

*Minimum to open account is $25 for CashBack checking and $25 for Real Saver.

**ATM fee refunds (CashBack Checking account only) up to $25 per monthly qualification cycle provided only if qualifications are met within monthly qualification cycle.