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The only free, unlimited Cashback Checking in PDX

Cashback Checking Account

Start earning unlimited cash back every month!

With our free, unlimited Cashback Checking account, you spend money, you make money. Just sign up for eStatements. You’ll earn $0.10 for every debit purchase you make that's $3.00 or more. No limits. No caps. And, yes – your debit purchases include in store, online, Apple Pay, Samsung Pay, or Google Pay transactions.

  • Free – no monthly fees, ever 
  • No minimum balance required
  • Overdraft protection available
  • Earn cash back when you register for eStatements and spend just $3 or more with your debit card

By the way, there's no complicated cash back redemption process. Cash back is automatically deposited into your account on the first day of the month following the close of the account cycle.* Bank with our free, unlimited Cashback Checking. It’s easy, super rewarding, and hassle-free.

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Find an ATM near you

You’re part of our Co-Op network, and you get access to 100+ surcharge free ATMs in PDX and 30,000+ nationwide.
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Bank anywhere, anytime

Access your accounts 24/7/365 and bank from anywhere with Advantis's free, convenient Online Banking and Bill Pay.
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Put a branch in your pocket

Our Advantis mobile banking app makes it easy and convenient to make mobile deposits and bank on the go.

It’s easy and convenient to bank with your free Advantis Cashback Checking account.

Q. Why are eStatements required to earn cash back? 

As a not-for-profit financial cooperative, Advantis must carefully control  operational expenses, so we can return exceptional value to you. This value comes to you as lower and no fee services, better savings and loan rates, and – in this case – unlimited cash back. With more members using eStatements, we are able to lower our costs and return more financial value to you!

Q. How do I enroll in eStatements?
That’s easy! After you open your account, log in to Online Banking via our homepage. After you're logged in, click "Accounts". Click "eStatements", and register in seconds! Get more info here

Q. What if I do not want to enroll in eStatements?
You can use your Cashback Checking account even if you choose to receive paper statements (and it will continue to be a free account). However, you will not earn cash back until you register for eStatements.

Q. How do I earn cash back? Is it really unlimited?
Cashback Checking is special because it is not based on a percentage of spend. And yes, it’s truly unlimited! When you spend $3.00 or more with your Cashback Checking debit card, you earn $0.10 for every debit purchase you make. Cash back is calculated during a monthly cycle.* Debit purchases may be made in store, online, or through Apple Pay, Samsung Pay, or Google Pay. There are NO limits to how much you can earn each month. 

Q. How and when do I receive my cash back? What will it look like on my statement?
You do not need to redeem your cash back. This is an added benefit of the account (other financial institutions often require customers to "redeem" their cash back). The cash back you earn in any particular calendar month (your account cycle) is automatically posted to your Cashback Checking account on the first day of the following month. You will see a credit on your statement and in online banking. The credit is titled "REVERSE CHARGE RB – DEBIT CASHBACK". It looks like this:

 Reverse Charge Debit Cashback graphic

Advantis is a not-for-profit financial cooperative. That means, instead of turning our earnings over to corporate stockholders (like banks do), we give them to back to you.

When you bank with Advantis, you get better savings and loan rates, plus more free services. And, in this case, you get unlimited cashback!

*Your cash back will be posted to your Cashback Checking account on the first day of the month following the close of the account cycle. The account cycle runs from the first day of the month to the last day of the month. If you close your Cashback Checking account, you will not receive any cash back for purchases posted during the month you close your account. Only applicable to purchases made with your debit card tied to your Cashback Checking account. Based on online research completed 8/31/2017, Advantis is the only financial institution with physical branch locations in the State of Oregon to promote an unlimited cash back checking product on a publicly available website. This statement is accurate as of the stated time of research. Federally insured by NCUA.

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