Checking that earns up to $360 year after year.

No hoops, no one-time promos. Just steady monthly rewards.

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You work hard for your money.
It's time for it to work hard for you.
Compare your cashback checking options.

1% Cashback Checking

Cashback checking, every day, every purchase. Get the checking account that does more for you year after year. 

Highest cashback potential

Ultimate Cashback Checking

Earn up to $360 per year

Get 1% cashback on eligible debit card purchases up to $20/month

Earn $5/month with eStatements

$5/monthly reward for setting up direct deposit

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Account also includes:

  • Unlimited free incoming domestic wires

  • Two free outgoing domestic wires/year

  • One free box of Custom Creation checks per year

  • Up to $15/month of ATM offsite usage fees refunded

$25 monthly service charge. Waived by $25,000 combined monthly average in all related consumer deposit accounts. Tiered Rate Account

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Boost your bonus

Enhanced Cashback Checking

Earn up to $240 per year

Get 1% cashback on eligible debit card purchases up to $10/month

Earn $5/month with eStatements

$5/monthly reward for setting up direct deposit

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Account also includes:

  • Two free outgoing domestic wires/year

  • One free box of Custom Creation checks per year 

  • Up to $15/month of ATM offsite usage fees refunded

$15 monthly service charge. Waived by maintaining a $5,000 monthly average balance

Every dollar counts

Simple Cashback Checking

Earn up to $120 per year

Get 1% cashback on eligible debit card purchases up to $5/month

 Earn $5/month with eStatements

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Account also includes:

  • Up to $15/month of ATM offsite usage fees refunded

$5 monthly service charge. Waived by eligible direct deposit

iStock-1757501436 - Maddie cashback rewards

Digital Banking: all at your fingertips

Wondering how much cashback you've earned? Thinking of switching to a higher-reward account? Minnwest digital banking makes it easy to check your earnings, view your eStatements, plus take care of all your banking needs, wherever you are.

How it works

The debit card that does more

There are credit cards that offer one-time cashback opportunities. But at Minnwest, we want you to love your checking account every day of every year. That's why our Cashback Checking delivers up to $360 in earnings every year, for as long as you have your account.

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Customer paying via Minnwest Bank debit card at cafe
Student Smling Debit Card

Card controls and security at your fingertips

Stay in control of your debit card, wherever you are. With card controls, you can instantly turn your card on or off, set spending limits, choose where your card can be used, and get real‑time purchase alerts. Your card is also backed by Mastercard® Zero Liability Protection for promptly reported unauthorized transactions. 

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Because we're doers too.

When you call, we pick up the phone. When you need a question answered, we're right on hand. And when you look around the community, you'll see us by your side. Because we're a bank filled with doers making good things happen, just like you.

See our story

The exterior of Minnwest Bank branch office in downtown Rochester, Minnesota

Frequently Asked Questions (FAQs)

Doers Welcome.

Ready to get started? Let’s talk.

Whether you’re starting a new project or just exploring your options, we would love to help you along the way.

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Cashback checking accounts are available to personal checking account owners. Businesses are not eligible for these accounts. Limited to one Enhanced Checking and one Ultimate Checking account per person as primary owner.

Account transaction activities may take one or more days to post and settle to your account. Purchases must be made using the debit card associated with your account. Minnwest’s ATM offsite usage fee pertains to any ATM outside of the MoneyPass network. Fees charged by non-Minnwest ATM operators or networks may apply.

Cashback Rewards, if qualifications are met, will be credited monthly as follows: eStatement cashback, 1% cashback on debit card purchases and direct deposit cashback - on the last business day of the statement cycle. Minnwest’s ATM Offsite Usage Fee Refunds - on the same business day as the non-Moneypass ATM transaction posts. Contact a bank representative for current interest rate, annual percentage yield and disclosure information. Fees could reduce earnings. (1) Interest rate subject to change. Overdrafts and non-sufficient funds (NSF) fees may apply. Bank fees and service charges may cause your account to become negative which may cause additional fees. A continuous negative balance fee may be charged on any negative balance regardless if the negative balance is caused by transactions, fees, or service charges. If the account is closed before the end of the statement cycle, any cash back rewards earned for that period, but not yet paid, will be forfeited.

A direct deposit is an electronic deposit of funds. A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income. Transfers from one account to another, mobile deposits, or deposits made at a branch or ATM are not considered a qualifying electronic deposit.

Account approval, terms & conditions, qualifications, limits, timeframes, enrollments and other requirements apply.