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APEX Cash Back

Enjoy cash back on debit card purchases and refunds on ATM withdrawal fees.

APEX Cash Back Checking


Cash back on gas and groceries is nice, but APEX Cash Back does even better than that — you’ll get 3.00% cash back on your everyday check card purchases, up to $108 back per year ($9 per month). This free checking account also refunds your ATM withdrawal fees, nationwide — so no matter if you’re in Elmira, New York or Mansfield, Pennsylvania, every ATM is your ATM. And there’s never a monthly maintenance fee on your account.


  • Free checking that pays you back
  • 3.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $300 in purchases monthly
    • Earn up to $108 cash back per year, $9 per month
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to free APEX Saver to build savings automatically 
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Free online banking and bill pay
  • Free Visa® debit card 
  • Free eStatements
  • Unlimited check writing
  • No minimum deposit to open

Here's How Easy It Is To Earn Your Rewards:

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

  • At least 1 direct deposit, ACH transaction or bill payment
  • At least 12 check 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.


*APY = Annual Percentage Yield.  Rate may change after the account is opened. In order to earn dividends at the disclosed rate for APEX Cash, or to earn cash back on point of sale transactions using your VISA Debit Card for APEX Cash Back, and be reimbursed for domestic ATM fees incurred, during each monthly qualification cycle: (a) at least one automatic clearing house (ACH) transaction must post and settle to Your Account as evidenced by Your monthly statement; and (b) at least 12 point of sale transactions using Your Visa Check Card must post and settle to Your Account as evidenced by Your monthly statement; and (c) You must consent to receive Your periodic statements electronically. Each monthly qualification cycle will begin on the first day of the calendar month for a monthly statement cycle, and end on the last day of that same calendar month's statement cycle ("monthly qualification cycle").  Individual domestic ATM fees will be reimbursed at an amount equal to the actual fees incurred during a monthly qualification cycle (subject to a total reimbursement of $25.00 during any such monthly qualification cycle), except to the extent that ATM fees of $5.00 or more will not be reimbursed unless you present a copy of the original receipt that details the specific amount of the total charge. On the last day of each cycle (subject to Your meeting the qualifying criteria during the current qualification cycle), earned dividends and reimbursements will post to Your Account, as applicable. Each member may be the primary owner of one APEX Cash Checking or one APEX Cash Back Checking Account.