Cash Back Checking Account

You earn 1% cash back on debit card purchases, up to $3,000 in transactions per month, for a maximum of $30 in cash back monthly. All everyday spending categories count, including groceries, gas, and travel. 

Qualifying is simple—just complete one direct deposit or one ACH withdrawal per month. Once you meet this requirement, your eligible debit card purchases will earn cash back. 

No, this is a free checking account with no monthly fees. Additionally, the account offers ATM surcharge fee refunds up to $10 per month for certain non-network ATMs. 

No—there are no category restrictions. You earn cash back on everyday debit card purchases across all eligible spending categories.

To open the account, you must:

• Become a Harborstone member (requires a savings account with a minimum deposit), and
• Open the checking account with a minimum $25 deposit.
• Account opening requires personal information, and we may need to verify addresses in some instances; a valid government-issued photo ID; your initial deposit information (debit, credit, or bank transfer are acceptable) 
• Click Join Now to get started now.

Yes, existing members can switch accounts by logging into online banking, calling support, or visiting a branch. However, members may only switch between PNW Cash Back and PNW Premier a maximum of two times per year, at which point the member must stay with the last chosen account for 365 days before they can switch again.