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Rewards+ Free Checking

At Eagle Community Credit Union, every choice we make is based on uplifting and empowering our members and their financial freedom. That’s why we created Rewards+ Checking, a free checking account that gives you cash back as you shop (Up to $120 cashback per year). And we didn’t stop there! Our new Buy Now Pay Later program has opened the door to leveling up your purchasing power by setting a budget and a payment plan that allows for the financial flexibility your hard work deserves (Budget up to five plans at a time. Up to $2,500 in combined balances). "Eagle Community Credit Union, putting our members and the community first since 1937."

EARN $100 bonus by opening a new Eagle Membership and Rewards+ Checking!

To earn your $100 Bonus, you need:
  • Use promotion code ECCU100 when you open your account online or mention it to the Member Service Representative assisting you if you go to a branch location.
  • Be a first time member of Eagle Community Credit Union
  • Open a Rewards+ Checking Account
  • Establish a recurring direct deposit of $250 per pay period from your employer.




  • Free checking that pays you back
  • Earn 10.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to your first $100 in purchases monthly
    • Earn up to $120 cash back per year, $10 per month
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free Online and Mobile Banking with bill pay
    • Free eStatements
  • Free Mastercard® Tap-to-Pay Debit Card
  • $25 minimum deposit to open
  • Buy Now, Pay Later
    • Use your debit card whenever and wherever you shop
    • Manage your budget by spreading larger expenses over time
    • Review and manage all plans, offers and payments in one place

Qualifying for Rewards+ Cash Back Is Easy!

  • Enrollments must be in place and all of the following transactions and activities must post and settle to your Rewards+ Checking account during each Monthly Qualification Cycle:
    • At least 12 debit card transactions
    • Be enrolled in and log into online banking at least once per month
    • Enroll and receive monthly eStatement

Don’t worry if you don’t meet these qualifications— your account is still free. Plus, you can get right back to earning your cash rewards the very next cycle that you qualify.




  • Use your debit card whenever and wherever you shop.
  • Manage your budget by spreading larger expenses over time.
  • Review and manage all plans, offers, and payments in one place.


  • Make purchases with your debit card.
  • Check the "Buy Now, Pay Later" menu option in your Eagle Online Banking and Mobile App.
  • View available offers on eligible purchases.
  • Decide which purchases you would like to split over time.
  • Select the installment plan that works for you.
  • See your purchase amount deposited back into your account within 24 hours.



Where can I find my BNPL offers??

BNPL offers are found in Eagle’s Online Banking from the "Buy Now, Pay Later" tab. From the Mobile App, you can find "Buy Now, Pay Later" when you ________________________.

Why can't I see any BNPL offers??

If you do not see any BNPL offers, this may be because your current account status or your recent debit card purchases are not eligible for BNPL. If you already have active BNPL plans, you may not be eligible for additional offers until the active plans are paid back.

What is an eligible purchase?

An eligible purchase is a debit card purchase made in the past 60 days that is at least $100 and was not a cash equivalent purchase (e.g., ATM withdrawal, money order, cash advance, etc.). Other restrictions surrounding the merchant type and transaction limits may affect BNPL eligibility.?

Does BNPL require a credit check?

No, Eagle's debit card BNPL offering does not require a credit check.


Checking account eligibility is subject to age and ChexSystem verification.

1Rewards+ Checking:
Minimum Balance and Deposit Requirements: The minimum deposit required for you to open a Rewards+ Checking Account is $25.00. You must maintain the minimum balance of $.01 to obtain the annual percentage yield stated on the Deposit Rates Sheet. Rewards: To be eligible to earn rewards, account owner(s) must:
• Complete a minimum of 12 debit card or point-of-sale transactions each calendar month;
• Be enrolled in eStatements; and
• Log onto Online Banking at least one time each calendar month.

Rewards include:
• Up to $25 ATM fees reimbursed on the last day of the month for out-of-network ATMs.
• 10% of debit card transactions and point-of-sale transactions up to $10 earned at the end of each calendar month.

The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by the Credit Union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by the Credit Union. Transactions bundled together by merchants and received by the Credit Union as a single transaction count as a single transaction for the purpose of earning account rewards. If the account does not qualify for rewards for three consecutive calendar months, the account will be converted to the Classic Checking Account.

† [$100 Bonus:] A Minimum $250 monthly direct deposit scheduled within the first 60 days of the checking account opening is required to earn the bonus. You must be a new Eagle CCU member, and the bonus must be paid within 60 days of direct deposit verification; membership and eligibility rules apply - ask the representative for details. A $25 Minimum opening deposit is required. *Rewards: To be eligible to earn rewards, the account owner(s) must Complete a minimum of 12 debit card or point-of-sale transactions each calendar month, be enrolled in eStatements, and Log onto Online Banking at least one time each calendar month. Offer expires 12-31-2024. Must live, work, or attend school in Orange County or Riverside County, California, to be eligible for membership and bonus opportunity.

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