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Cash Back Checking

Why settle for “free checking” when you can earn cash back!

Offers Cash Back Checking
Cash Back Rewards
on every swipe of your Island Debit Mastercard® when you sign up for uChoose Rewards®
Yes
No Minimum Balance / No Monthly Fee
Yes
Direct Deposit Option Available
Immediate access to your paycheck, pension and Social Security
Yes
E-statements
Yes
Online & Mobile Banking with Bill Pay
Yes
Card Secure
Turn card “on” and “off” when needed
Yes
Credit Monitoring with Credit Sense®
Yes
Shared Credit Union Branches
5,600 Nationwide
NO-FEE ATMs Located in many stores including 7-Eleven, CVS, Dunkin Donuts, Target, Walgreens, Rite-Aid, Duane Reade and more.
125,000
Open an Account
View Rates
island checking

Cash Back Checking Account

Why settle for free checking when you can earn cash back?

  • No monthly fees
  • No minimum balance
  • Cash Back Rewards every time you use your debit card.
Open an Account
View Rates
island checking

Cash Back Checking

If you haven’t opened a Checking account at Island, you are missing out on one of the truly great deals available on Long Island!

Open an Account


Other Great Features:

  • 24/7 Telephone Representatives
  • Free first box of checks
  • Free Debit Card
  • Earn dividends on all your balances over $2,500.
  • No limit on the number of checks you can write each month.
  • We even make it easy to switch to Cash Back Checking with our Switch Kit. 

Island Debit Mastercard

  • It’s easier and faster than writing a check.
  • Purchase amount is automatically deducted from your Island Checking Account, so it’s easier to keep track of all your spending.
  • Get cash – up to $500 a day – at Allpoint ATMs, and to handle your routine banking at Island Federal machines.
  • Save money on fees. There’s no annual fee and no transaction fees when you make a purchase or use your card at one of our ATMs.
  • If you receive a debit card by mail, please be sure to:
    1. Activate it. You will not be able to use it if it is not activated.
    2. Make sure to update your pin number.
    To Activate and Pin, call toll free: 1-800-992-3808

1 All offers subject to credit approval. To receive Reward Points, Member must have an Island Checking Account, Debit Mastercard and enroll in the uChoose Rewards Program at www.uChooseRewards.com. Points will be awarded for purchases at the beginning of each month.
2 Available for Island Members. Membership eligibility applies.
Open An Account

Special Promotion

Now through September 2, every swipe of your Island Federal debit MasterCard is a chance to win 1 Million Rewards Points to Redeem for Cash!

Learn More

Back To School Special

The uChoose Rewards® Program allows you to earn points every time you use your Island Debit Mastercard® & Island Credit Mastercard®. Shop at participating retailers and earn additional points. Points can be redeemed at uchooserewards.com. 

Open an Account
Enroll In uChoose Today
 
Current and new Island Debit and Island Credit Mastercard holders will be able to receive double the standard uChoose Reward redemption at vendors coded by uChoose as Clothing Stores, Department Stores, and Electronics Stores. Purchases made at vendors not coded as one of these three vendor codes by uChoose will earn standard rewards rate. To receive rewards points for an Island Debit Card, members must have an Island Checking account and enroll in the uChoose Reward Program at www.uchooserewards.com. To receive rewards points for an Island Credit MasterCard, Member must have an Island membership, an Island Credit MasterCard, and enroll in the uChoose Reward Program at www.uchooserewards.com. Bonus Rates will be applied as follows: 1 point earned for every $1 spent using Island Debit Mastercard, and 3 points earned for every $1 spent using Island Credit Mastercard. Maximum number of bonus points earned per Member to be capped at 2,500. Promotion available from August 23, 2023, through September 4, 2023; promotion is subject to change at any time. All offers are subject to credit approval. Membership eligibility applies. Federally insured by NCUA. 

Products & Services

Cash Back Checking

Cash Back Rewards with every swipe

Mortgage

Home buying built for you

Vehicle Loans

New, Used, or Lease Buy-Out; You can save with Island

Credit Cards

Low APR and Cash Back Rewards. The one card that has it all

Savings

Make your money work for you

Certificates

Build your wealth with Island’s certificates

Personal Loans

Extra cash for when you need it most

College Loan

Save on college expenses with Island Federal

Our power in numbers

0Cash Back Earned
0Number of Members
Monthly Fees Paid
$ 0

Sign Up Special: Free $50.00 Starbucks Gift Card*

Do you have a special promo code from your employer or group? Use it when opening your account and receive a $50 Starbucks gift card!

Interested in becoming a partner organization? Email Us

Open An Account
Speak To A Representative
 
1 All offers subject to credit approval. To receive Reward Points, Member must have an Island Checking Account, Debit Mastercard and enroll in the uChoose Rewards Program at www.uChooseRewards.com. Points will be awarded for purchases at the beginning of each month. 2 Available for Island Members. *The Coffee Giftcard promotion is open to all individuals with a valid and current affiliation code (“Eligible Individual”) who open a new Island Cash Back Checking account with Debit Mastercard. Must show valid college affiliated ID at time of account opening. To receive the bonus the new account must remain in good standing; perform at least 5 Debit purchase transactions (excludes ATM transactions); enroll in e-Statements; and download the Island Mobile App within 45 days of account opening. After the above requirements have been met, we will send bonus to the email provided by the new Member during account open. New Members can receive only one (1) new checking account bonus. Checking account bonus offer is available only when an “Eligible Individual” opens a new Island Checking account. Not available to fiduciary accounts or those accounts that have been closed within 90 days or closed with a negative balance. Accounts are subject to approval. Offer is subject to change without notice. Promotion may not be combined with any other offer. Winner is responsible for any applicable taxes. Membership eligibility applies. Federally insured by NCUA.