Personal Banking
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Cash Back Checking
$600 Bonus Offer, Just For You!
*Available For A Limited Time*
How to earn $600:
Open a Cash Back Checking account with Debit Mastercard®1, enroll in e-Statements and complete one or more of the following qualifiers2:
Use Promo Code: 600MORE when opening a new Cash Back Checking account online or mention promotional offer when opening a new account at an Island Federal branch.
Checking with Real Member Benefits
Earn Cash Back Every Time You Spend
• No monthly fees or minimum balance requirements
• Earn Cash Back Rewards with every Debit Mastercard purchase; both online and in-person
• Redeem points for travel, discounts at the fuel pump, or cash back into your account
• Earn interest on balances over $2,500 to help your money grow even faster
Say Goodbye to Fees
No monthly maintenance fees. No minimum balance requirements. Just a smarter way to manage your money.
Convenience You Deserve
We built the Cash Back Checking Account to provide you with more than you'd expect, but exactly what you deserve:
• 24/7 access to your money with Online & Mobile Banking
• Enjoy 125,000 fee free ATMs and 5,600 courtesy banking locations across the globe
• Free credit score updates and tools to help meet your financial goals
• Compatible with Apple Pay, Google Pay, & more
• Complimentary Direct Deposit, Online Bill Pay, and Transfer Now payment services
Security You Can Count On
Long Islanders have trusted Island Federal to keep their funds safe for over 70 years. With the Cash Back Checking Account, you'll also receive:
• Deposit Insurance through the National Credit Union Association
• 24/7 Fraud Detection and Account Security
• Real Time Usage Alerts sent straight to your phone on the Island Federal Mobile App
Disclosures
1All offers subject to credit approval. 2Open to individuals age 17 or older, who have not had an Island Federal Checking account in the past 12 months. Member must mention this promotional offer in-branch or use promo code “600MORE” when opening a new Cash Back Checking Account online. Enrollment in e-Statements is required to receive any incentives. 3Member will receive 20,000 uChoose Rewards® Bonus Points (cash value of $200) after completing $1,000 in debit card purchase transactions within the first 90 days of account opening. Member must enroll their debit card in uChoose Rewards program at www.uChooseRewards.com to receive bonus points. 4 Member will receive $200 when establishing Direct Deposit into the new Cash Back Checking Account within the first 90 days of account opening. Direct Deposit is defined as receiving a minimum of two electronic deposits totaling at least $1,000 within a 90-day period. Eligible deposits must originate from an employer payroll provider, government benefits distributor, pension provider, or similar payroll source. Electronic transfers or deposits originating from other financial institutions are not eligible. 5Member will receive $200 for maintaining a combined average daily balance of $10,000 or more in checking and savings for 90 consecutive days. Member has 14 days from the date of account opening to meet this minimum balance requirement. $10,000 in funds must be new funds to the credit union. The Cash Back Checking Account and membership must remain open for at least 90 days for the Member to receive any incentives. All incentives will be distributed to eligible members between 90 and 120 days after account opening. Teen checking accounts and in-trust accounts are not eligible to receive any incentives. Members who are currently listed as joint owners on any existing Island Federal checking account are also ineligible for this promotional offer. Not available to accounts that have been closed with a negative balance. Bonus will be reported on IRS form 1099-INT. Offer valid through 07/31/2026. Membership eligibility applies. Federally Insured by NCUA. Membership eligibility applies.