Compass Cash Back

Get ready to see your checking grow. Earn 6.00%² cash back on daily purchases every month you qualify, with no monthly maintenance fees or minimum balance to earn rewards. That’s more cash in your pocket.

Free checking that pays you back
No category restrictions on purchases
Cash back earned on as much as $200 in purchases monthly
Earn as much as $144 cash back per year, $12 per month
Refunds on ATM withdrawal fees, nationwide
up to $25 monthly²
No monthly maintenance fees
No minimum balance to earn rewards, No minimum deposit to open
Link to free Summit Saver to build savings automatically

Qualifications to Earn Cash Back

Enrollments must be in place and all of the following transactions and activities must post and settle to your Compass Cash Back Checking account during each Monthly Qualification Cycle:

At least 12 debit card purchases
At least 1 direct deposit or ACH credit
Be enrolled in and agree to receive eStatements

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.

Ridgeline Rewards or Compass Cash Back

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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.

²Qualification 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. “Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. See our website for specific Monthly Qualification Cycle dates. All of the following transactions and activities must post and settle to your Ridgeline Rewards or Compass Cash Back account during each Monthly Qualification Cycle: 12 debit card transactions must post and clear prior to the second to last day of the month. Must receive electronic statements. Must have at least (1) direct deposit or ACH credit transaction(s).

Compass Cashback Checking - Reward Information:

When Compass Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 6% cash back on up to a total of $200 in debit card purchases that post and settle to the account during that cycle period. A maximum of $12.00 cash back payments may be earned per Monthly Qualification Cycle.

You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Compass Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees 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 fee reimbursements only apply to Compass Cash Back, Summit Saver ATM transaction fees are not reimbursed nor refunded.)

When your Compass Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.

Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Compass Cash Back account on the last day of the current statement cycle. Membership eligibility required. Must be a member of the credit union to open any deposit account. Full Qualification Cycle and Details.