PNW Cash Back Checking
PNW Cash Back Checking
PNW Cash Back Checking
Introducing the best cash back checking account in the Pacific Northwest. Earning cash is simple and easy – no extra logins, no managing your rewards, no restrictions on categories – just earning.
- Earn 1% cash back on up to $3,000 in debit transactions for a maximum of $30 per month
- Spend on travel, groceries, gas, etc. – all categories count toward your cash back
- Free checking account – no fees
- ATM surcharge fees are refunded (up to $10) for all non-Harborstone, non-Co-Op ATMs.*
- Requires just one qualification: one direct deposit or ACH withdrawal per month
Already a member? Click the Existing Members Login to Open button below to get started.
New to Harborstone? Click the New Members Open Online button below.
New Members Open Online Existing Members Login to OpenQualifying Is Easy
Qualifying Is Easy
- Make at least one direct deposit or automatic ACH withdrawal per month.
When you meet this qualification, you earn 1% cash back on up to $3,000 of all your everyday debit transactions, including travel, groceries, and gas – no matter the category.
Get PNW Cash Back Checking Today!Already Have a PNW Premier Account? Switching Is Simple.
Already Have a PNW Premier Account? Switching Is Simple.
Are you a current PNW Premier Checking account member and would like to switch to PNW Cash Back Checking?
- Sign in to your online banking and chat with us.
- Give us a call at 1-800-523-3641.
- Stop into a Harborstone branch near you to switch today!
Insured by NCUA. Membership is required for a Harborstone checking account and must include a savings account with a minimum $5 opening deposit. The PNW Cash Back Checking account requires a minimum $25 opening deposit. Debit transactions earn 1% cash back on a maximum of $3,000 worth of transactions posted and cleared within that month, for a cap of $30 cash back per month, deposited directly into your account. Earning 1% cash back means you receive 1 cent back for every $1 you spend, so if you spend $100, you will get $1 in cash back. One direct deposit or one ACH withdrawal made each month is required. Qualified transactions exclude unauthorized or fraudulent activity, ATM withdrawals, or purchases of cash equivalent (gift cards, money orders, etc.). This offer cannot be combined with any other offer, and there can be only one PNW Premier or PNW Cash Back account per Social Security number. Members may 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. Offers are subject to change at any time.
*This does not include international ATMs, foreign ATM withdrawals, balance inquiries, and ATM deposit fees; Harborstone Credit Union is not responsible for surcharge fees assessed by ATM owners.
Terms are effective July 7, 2025, and are subject to change.