Checking Accounts

Our checking accounts come with free Visa® debit cards and eStatements!  Find the checking that is right for you. 

Download the 360FCU CardManager app from your phone’s app store to manage your debit card. You can set alerts, control access by merchant type or dollar amount, turn your card on/off and more. Learn more.

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CashBack Checking- Earn $10 cash back each month!1

  • Earn 2.00% cash back a month on your first $500 in purchases when using your Visa® debit card in qualified transactions1   
  • ATM fee refunds up to $20 per qualification cycle2


Premium Checking- Earn monthly dividends on up to $20,000!1

  • Earn 0.75% APY3 on balance up to $20,000
  • .25% APY on balances over $20,0003
  • ATM fee refunds up to $20 per qualification cycle2


Free Checking

  • Completely free checking account with requirement of e-statements
  • No fees, no charges!


Basic Checking5

  • Basic and simple checking
  • No rewards or refunds


Open a Checking account today


Checking Account Protection Options – learn how to protect your checking account from being overdrawn.


Monthly Qualifications for CashBack and Premium Checking4

Don’t meet the monthly qualifications? No worries, there are no penalties or monthly service fees.

The following qualifications must be met per qualification cycle in order to earn the reward and fee refunds.4

  • Minimum of twelve (12) Visa® debit card purchases must post and clear
  • Minimum of one (1) direct deposit or ACH automatic debit or bill pay
  • Receive eStatements

The qualification cycle for CashBack and Premium checking accounts will begin on the first day of the month and will end on the last day of the month. For example: the qualification period for January would be January 1-31.

Checking Rates

Rates as of: 03/01/2022See Truth in Savings for Details
Dividend RateAPY3
Premium Checking0.75%0.75%On Balance Up To $20,000
Requirements Met0.25%0.25%On Balance Over $20,000
Requirements Not Met0.05%0.05%On Entire Balance
Basic Checking0.00%0.00%Minimum Balance To Earn Dividend Is $5,000



1) CashBack Checking earn 2% cashback on purchases up to $500.00 (up to $10.00 cash back) on point of sale transactions when you use your Visa Debit Card and qualifications are met. Excluding returns and ATM transactions. No minimum balance required to earn cash back rewards. No monthly service fee. Available to personal accounts only. Maximum of two (2) CashBack Checking accounts per social security number. No minimum balance required. No monthly service fee. Maximum of two (2) Premium Checking accounts per social security number. Available to personal accounts only.

2) ATM fee refunds up to $20 are provided only if qualifications are met within qualification cycle. Only ATM transactions posted to your Premium Checking or CashBack Checking account and cleared during the qualification cycle are refundable. EX: if the member were to make an ATM withdrawal on Jan 31 and is charged a fee, it would be reflected in the Feb qualification period. ATM fees up to $20 will be refunded (if qualifications are met) in the qualification period in which they were made. ATM fees will be reimbursed up to a maximum of $4.99 per individual transaction.

3) Premium Checking Annual Percentage Yield (APY). Rates may change after the account is opened. No minimum balance required. No monthly service charge. Available to personal accounts only. This offer may be revised or withdrawn at any time. 0.75% APY applies to balance of $.01 – $20,000 and 0.25% APY applies to balances over $20,000 as long as qualifications are met each statement cycle. 0.05% APY applies to all balances if qualifications are not met.

4) Qualifying transactions for each statement cycle must clear by the second to the last business day of the month. All qualification transactions must be posted to the account and cleared during the qualification cycle. Transactions could take anywhere from, but not limited to, 1-5 business days to post to an account from the date the transaction is made. An ACH transaction could either be a deposit or a withdrawal. Debit card transactions must be point-of-sale transactions. ATM-processed transactions do not count towards qualifying debit card transactions. In order for a Visa debit card purchase to count for the month, it must have posted and cleared during the qualification cycle.

5) $4 Monthly Service Fee. The fee is waived if; you are under 18 years of age or have a balance of $50,000+ in your Basic Checking account. To avoid the monthly service fee: Sign up for eStatements, $2.00 refund or conduct at least 8 Visa® Debit Card transactions monthly, $2.00 refund.