Routing Number: 307070021

Cash Back Rewards Checking

Earn Cash Back

Earn 3.00% cash back on debit card purchases monthly 1  with no category restrictions on purchases!

ATM Fee Refunds

Refunds on ATM withdrawal fees nationwide -

up to $25.00 monthly 1

Worry Free Zone

No minimum balance to earn rewards and no minimum deposit to open!

Easy Access

24/7 account access with free online and mobile banking, free online bill pay, and free eStatements!

Make your everyday shopping a lot more fun with Cash Back Rewards Checking that pays 3.00% cash back on everyday debit card purchases monthly, when qualifications are met. 1

Plus, receive refunds on ATM withdrawal fees nationwide. 1 Open an account today!

Open An Account

Cash Back Rewards Checking Account Features

  • 3.00% cash back on debit card purchases 1

  • No category restrictions on purchases

  • Cash back earned on up to $300 in purchases monthly 1

  • Earn up to $108 cash back per year, $9 per month 1

  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly) 1

  • No minimum balance to earn rewards

  • Securely switch your direct deposit and automatic payments from another financial institution account to an AAFCU account with ClickSWITCH

  • Set up direct deposit and get your paycheck up to 2 days sooner with Early Pay

  • Free Debit Mastercard®

  • Free eStatements

  • Free Online Bill Pay

  • 24/7 account access with our free online and mobile banking

  • Access to great features like remote check deposit, member to member transfers, and more through our mobile banking

  • No minimum deposit to open

Earning Rewards is Easy

To earn your rewards, simply do the following transactions and activities in your Cash Back Rewards Checking account during each monthly periodic statement cycle:

  • Have at least 12 debit card purchases post and clear

  • Have at least 1 direct deposit or automatic payment (ACH) post and clear

  • Be enrolled in eStatements

Didn't meet the qualifications this cycle? Don’t worry. Each month is a new chance to qualify!

If you don't meet the monthly qualification you can get right back to earning your rewards the very next cycle you qualify. 

Become A Member Today!

Become a member today and start enjoying the great benefits of being a member of AAFCU!

Open An Account

Find an ATM or Shared Branch Location

AAFCU ATM Locations

Easy and convenient access to AAFCU owned ATMs throughout the Colorado Springs and Denver Metro Area. 

ATM Locations

Nationwide CO-OP Network

In addition to our local AAFCU-owned ATMs we also belong to the CO-OP Network, giving you surcharge-free access to nearly 30,000 ATMs and over 5,000+ shared branch locations throughout the U.S. and Canada.

CO-OP Shared Branch And ATM Locations


1 Qualifications: (a) Post and clear at least one direct deposit or pre-authorized ACH (b) post and clear twelve or more purchase transactions using your debit card and (c) consent to receive your periodic statements electronically during the monthly periodic statement cycle. Account transactions and activities may take one or more days to post and clear to the account and all must do so during the monthly periodic statement cycle in order to qualify for the account’s rewards. When your Cash Back Rewards Checking account qualifications are met during a monthly periodic statement cycle, the following rewards will be distributed to your account on the last day of the month. You will receive 3.00% cash back on up to a total of $300.00 debit card purchases that post and clear to the account during the qualifying monthly periodic statement cycle. A maximum of $9.00 cash back may be earned per monthly periodic statement cycle. ATM fee refunds limited to $4.99 per item and $25.00 per monthly periodic statement cycle.

Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Terms and conditions subject to change. Membership requirements apply.

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