Free My Linc Cash Back checking makes shopping a lot more fun — and rewarding! When you do banking basics, you’ll earn 4.00% cash back on your debit card purchases (up to $10.00 a month).* What a treat!
Plus, you’ll also get cash back in the form of refunds on ATM withdrawal fees, nationwide! What a reward! Link your account to your My Linc Nest savings account to make saving effortless. Open your accounts online today!
Benefits
- Free checking that pays you back
- 4.00% cash back on debit card purchases*
- No category restrictions on purchases
- Cash back earned on up to $250 in purchases monthly
- Earn up to $120 cash back per year, $10.00 per month
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
- Link to free My Linc Nest to build savings automatically
- No monthly maintenance fee
- No minimum balance to earn rewards
- Free online banking with bill pay
- Free eStatements
- Free mobile banking
- Free telephone banking
- Free Visa® debit card
- CU Service Centers
- Surcharge-Free Co-Op ATMs
- No minimum deposit to open
Here’s how easy it is to earn cash back:
Enrollments must be in place and all of the following transactions and activities must post and settle to your My Linc account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH payment, or bill pay transaction
- At least 12 debit card purchases
- 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.
Do you already have an account and want to switch to My Linc? Switch here!
Ready to open an account? HERE
*My Linc Cash Back Disclaimer
Qualification Information:
Qualification 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. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit and credit card purchases processed by merchants and received by our credit union as ATM transactions, PIN-based, signature based transactions, non-retail payment transactions and purchases made with debit or credit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
“Monthly Qualification Cycle”: The period during which qualifying transactions must post and settle in order to earn rewards for the applicable statement cycle. See table below for specific qualification dates.
Reward Information:
When My Linc Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4.00% cash back on up to a total of $250.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle.
You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your My Linc 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.
When your My Linc 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 My Linc Cash Back account on the last day of the current statement cycle.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.
Additional Information:
Membership restrictions may apply.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
No minimum deposit is required to open the account.
Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.
Limit of 1 account(s) per SSN.
There are no recurring monthly maintenance charges or fees to open or close this account.
Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Federally insured by NCUA. All of your deposits are federally insured by NCUA up to $250,000.
My Linc Accounts Qualification Disclosure
The following dates apply to My Linc accounts. Monthly Qualification Cycle dates are separate from statement cycle dates. Please refer to your account’s Truth-in-Savings disclosure for complete qualification requirements.
To earn rewards, all qualifying transactions must post and settle to your specific My Linc account within the Monthly Qualification Cycle dates listed below. Transactions bundled together by merchants and received by our credit union as a single transaction are counted as one transaction for reward qualification purposes. Account transactions and activities may take one or more days to post and settle, and must do so within the Monthly Qualification Cycle in order to qualify for rewards.
| Month | Monthly Qualification Cycle Begin | Monthly Qualification Cycle End | Statement Cycle Begin | Statement Cycle End |
|---|---|---|---|---|
| December 2025 | 11/28/2025 | 12/30/2025 | 12/01/2025 | 12/31/2025 |
| January 2026 | 12/31/2025 | 01/29/2026 | 01/01/2026 | 01/31/2026 |
| February 2026 | 01/30/2026 | 02/26/2026 | 02/01/2026 | 02/28/2026 |
| March 2026 | 02/27/2026 | 03/30/2026 | 03/01/2026 | 03/31/2026 |
| April 2026 | 03/31/2026 | 04/29/2026 | 04/01/2026 | 04/30/2026 |
| May 2026 | 04/30/2026 | 05/28/2026 | 05/01/2026 | 05/31/2026 |
| June 2026 | 05/29/2026 | 06/29/2026 | 06/01/2026 | 06/30/2026 |
| July 2026 | 06/30/2026 | 07/30/2026 | 07/01/2026 | 07/31/2026 |
| August 2026 | 07/31/2026 | 08/30/2026 | 08/01/2026 | 08/31/2026 |
| September 2026 | 08/31/2026 | 09/29/2026 | 09/01/2026 | 09/30/2026 |
| October 2026 | 09/30/2026 | 10/29/2026 | 10/01/2026 | 10/31/2026 |
| November 2026 | 10/30/2026 | 11/29/2026 | 11/01/2026 | 11/30/2026 |
| December 2026 | 11/30/2026 | 12/30/2026 | 12/01/2026 | 12/31/2026 |
Monthly Qualification Cycle dates are different from Statement Cycle dates. Qualifying transactions must post and settle within the Monthly Qualification Cycle to earn rewards. Dates are subject to change.