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Finally the Checking Account
you've been waiting for.

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What is Starphire Rewards Checking?

Starphire Rewards Checking is CommonWealth Credit Union's very own FREE Checking Account that offers you cash back* on purchases.  With Starphire Rewards Checking,  you can earn 2.0% cash back on your debit card purchases and you may never pay ATM fees again*.  Take a look for yourself!

  • 2.0% cash back on first $350 spent per month (max $7)
  • ATM refunds up to $25 per month max & up to $5 max per transaction
  • Free debit card
  • Free e-statements
  • Free bill pay
  • Free online banking
  • Free CWCU Mobile app
  • Free loan analysis
  • No minimum balance required

What are the qualifications?

The qualifications are very simple and you most likely already do them without even knowing it!  In order to receive 2.0% cash back*, and get your ATM fees reimbursed you'll need to do the following every month:

  • Post and clear at least 10 debit card transactions
  • Be signed up for E-Statements
  • Be signed up for direct deposit or 1 ACH withdrawal per month
See it's simple.  No games.  No hidden qualifications.  If you don't meet all the qualifications one month you will not earn cash back* and your ATM fees will not be reimbursed.  If you meet the qualifications the next month, you'll get the rewards again.  It's easy, convenient, and put money back in your pocket!

Starphire Rewards Frequently Asked Questions 

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Also Introducing: Starphire Rewards Savings

CWCU also offers Starphire Rewards Savings for rewards on your savings account! Our rewards include:

  • 2.00% rate up to first $15,000 on deposit
  • 1.00% on balances at $15,001 and higher
To earn these rewards, you must meet monthly qualification of Starphire Rewards Checking monthly.  If you do not meet the monthly qualifications, you will earn the current savings rate 
on all balances.


*When qualifications are met for Starphire Rewards Checking, you will receive 2.0% cash back on debit card purchases up to $350 for transactions posted and settled during the qualifying month.  A maximum of $7 cash back in rewards can be earned during the month.  You will also be eligible for ATM reimbursements incurred during that qualifying month.  A maximum $25 refund per qualifying month and $5 maximum per transaction.  The 10 debit card transactions must be either PIN based transactions or signature based transactions to count towards monthly qualifications.  If monthly qualifications are not met, no cash back or ATM fee refunds will be applied.  Monthly qualification cycle begins 1st of month and ends on last day of month.  Transactions must post and settle to account prior to end of month.  One account per social security number.  Not to be used for business accounts.  If account is closed during month, all cash back is forfeited.  Rates and rewards are variable and subject to change without notice.  Fees may reduce earnings.