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Cash Back Checking

Are you a frequent swiper?

Earn 2% cash back* every time you make a purchase. Just use your debit card to buy what you need at the grocery store, restaurants, while on vacation, or the next time you’re out on the town. Whatever you buy, those monthly cash-back bonuses will add up fast when added to your account. What you do with your cash is up to you, including an epic-and-fun night out with the people you love most.

Cash Rewards Checking

Do you carry a higher balance?

You deserve to be rewarded for your checking account. InRoads makes it easy. Earn up to 1.00% APY** on your checking balance while you do your shopping, pay your bills and live your life. This rewards-earning account comes packed with a long list of extras, including surcharge-free ATM access at over 30,000 CO-OP Network ATMs.

Which checking account is right for you?

  • Earn cash back with every purchase

    Earn cash back with every purchase

  • Earn monthly dividends

    Earn monthly dividends

  • No monthly fees

    No monthly fees

  • ATM fee refunds (up to $20)

    ATM fee refunds (up to $20)

Cash Back Checking

  • Earn cash back with every purchase

  • Earn monthly dividends

  • No monthly fees

  • ATM fee refunds (up to $20)

Cash Rewards Checking

  • Earn cash back with every purchase

  • Earn monthly dividends

  • No monthly fees

  • ATM fee refunds (up to $20)

Shared Branch

What is a Shared Branch location? Simply put, it’s another credit union with another name that is happy to help you transfer funds, pay a loan, or make a deposit or withdrawal from your InRoads account. Utilize a shared branch when you’re in another part of town, state, or country.

CO-OP Network of ATMs

Find a surcharge-free ATM anywhere you go. As luck would have it, there are over 30,000 ATMs in the U.S. where you can get surcharge-free access to your cash every day. Just look for the CO-OP Network logo, put your card into the machine and enjoy the surcharge-free bliss.

You might also be interested in

Team Up for Schools

When you pledge your support for the Indians, Columbians, or Lions, you’ll receive a special debit card. Plus, InRoads will pledge 5¢ to your favorite high school every time you use that new debit card.

Team Up
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  • *2% Cash Back Bonus applies to the first $300 of purchases each cycle with a maximum bonus of $6. Fees may reduce earnings. Qualifications apply. See InRoads for details. Qualifying transactions must post and settle to the account during the monthly qualification cycle. Qualification cycle ends on the second to the last business day of each month. Transactions may take one or more business days from the transaction date to post and settle to an account. Intra-bank transfers do not count as qualifying ACH transactions. ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle. Bonus will be posted to qualifying accounts on the last day of the month. Minimum balance to open account is $50. Available for personal accounts only. Refer to full account disclosure upon account opening for other details. **APY= Annual Percentage Yield. Annual Percentage Yield (APY) accurate as of 9/1/2020. Rate tiers are as follows: 1.00% APY** applies to balances of $.01 – $15,000 and 0.17% APY** applies to balances over $15,000 as long as qualifications are met each statement cycle. 0.01% APY** applies to all balances if qualifications are not met. All balances will earn 0.17% APY** to 1.00% APY** as long as qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and settle to the account during the monthly qualification cycle. Qualification cycle ends on the second to the last business day of each month. Transactions may take one or more business days from the transaction date to post and settle to an account. Intra-bank transfers do not count as qualifying ACH transactions. ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle. Minimum balance to open account is $50.