Bright Cash Back
The BEST way to shop, is to be rewarded for purchases
Earn 5.00% cash back for every debit card swipe, minus the restrictions and monthly fees.
Benefits You’ll Love
- Earn on up to $200 in purchases monthly
- No category restrictions
- No monthly service fees
- Free online and mobile banking services
Benefits
- Free checking that pays you back
- Earn 5.00% cash back on debit card purchases made up to $200 per month^
- Earn up to $120 cash back per year, $10 per month
- Refunds on nationwide ATM Service Charges (up to $20 monthly)^
- Comes with a Bright Savings to encourage you to save
- No monthly maintenance fee
- No minimum balance to earn rewards
- Wide range of digital banking services:
- Free online banking & bill pay1
- Free mobile banking
- Free eStatements
- First debit card free2
- $50 minimum deposit to open
Monthly Qualifications
All monthly activities must be met during the calendar month.
- At least 1 Direct Deposit or ACH credit
- At least 15 debit card purchases
- Be enrolled in and agree to receive eStatements
You’ve got this in the bag. But just in case you don't meet your qualifications one cycle, your account is still free — and you can get back to earning your cash rewards the very next month.
^Valid beginning 11/01/2026. Enrollment in electronic services (ex: online banking, eStatements) are required to meet some of the accounts’ qualifications. Account transactions & activities may take one (1) or more days to post & settle to the account & all must do so during the Monthly Qualification Cycle to qualify for the account’s rewards. The “Monthly Qualification Cycle” follows the calendar month. When Bright Cash Back qualifications are met, you will receive 5% cash back on (up to a total of $200.00) debit card purchases and ATM reimbursements of up to $20 that post and settle during that month. A maximum of $10 cash back may be earned per month. Cash back payments will be credited to your Bright Cash Back Checking account on the first day of the following month. When Bright Cash Back qualifications are not met, no cash back is earned, and ATM fees are not reimbursed. Fees may reduce earnings. Rates & rewards are variable and may change after account is opened. If the account is closed, you will forfeit any rewards that have not been credited to your account. Account approval, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Limit one (1) account per social security number. There are no recurring monthly maintenance charges. Ask for full details.
1Bill pay is free only if it is used at least once per month — otherwise, a $5 monthly service charge applies.
2First debit card is free. A service charge of $10 applies for each additional debit card.