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Earn Cash Back From Your Checking

Are you currently earning cash back from checking account? With our Ultra Rewards Checking you can earn cash back, and other perks with no minimum balances on your checking account.

Benefits include:

  • No minimum balance required after opening an account.*
  • Earn 1.30% APY on balances up to $25,000 when monthly requirements are met.** See dividend rates breakdown.
  • Free eStatements, online banking and bill pay.
  • 24/7 access to funds via ATMs, online and mobile app.
  • ATM surcharge fee rebates up to $10 per month.***
  • Access to over 30,000 CO-OP ATMs with zero charge.
Open an Account Now

Already a member and want to upgrade at no cost? Call us at 858-495-3400 or visit one of the branches.

*Qualifiers to earn dividends on Ultra Rewards Checking include any combination of 12 transactions on your PLCU checking account debit card or Ultra Visa credit card transactions under the same member account (excluding transactions at ATMs), e-Statements with a valid email address, and a recurring direct deposit or remote deposit of a check via PLCU’s mobile application or online banking. ATM and similar “remote” deposits do not qualify. Access Builder accounts are not eligible. Only one checking account per member Social Security number is eligible for the Rewards Program.

**If the account requirements are not met, the rate will be 0.00% Annual Percentage Yield (APY). Requirements are calculated for each calendar month. Fees may reduce earnings on account.

***Fees are rebated to the checking account on the last day of the month.

If you do not meet the requirements of this program: The account plan, applicable dividend rates and fees will revert back to the applicable Lighthouse Lighthouse Relationship Plan level. This means you will not earn the Ultra Rewards dividends, will not receive the ATM rebate, and may incur a monthly service charge.