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Cash Back Checking
Earn cash back* from your purchases with our easy Cash Back Checking. Plus, you get secure and convenient digital banking tools, a network of 30+ branches across Kansas and Missouri, and more than 55,000 surcharge-free ATMs.
Looking for a checking account that rewards how you already spend? Emprise Bank offers a cash back checking account that puts money back in your pocket, while giving you the personal service and local support you expect from a community bank.
Whether you’re in Wichita, across Kansas, Missouri, or anywhere else, this account makes it easy to manage your money, avoid unnecessary fees, and earn rewards* along the way.
Not sure if cash back or high interest is the better fit?
Compare our checking accounts side by side.
Start earning cash rewards* and non-network ATM fee refunds*.
How Cash Back Checking Works
A cash back checking account rewards you for using your debit card on everyday purchases, like groceries, gas, and dining out.
With Emprise Cash Back Checking:
- Use your debit card for qualifying purchases*
- Meet monthly requirements
- Earn cash back deposited directly into your account
It’s a straightforward way to get more from the spending you’re already doing.
Earn Cash Back on Everyday Purchases
Turn everyday spending into extra money:
- Cash back on debit card purchases*
- Refunds on domestic non-network ATM fees*
- No monthly service fee
- Free digital banking tools to track spending and rewards*
Prefer to earn interest instead of cash back? Compare your options.
Minimum to open is $100. When monthly qualifications are met, you receive 2% cash back on debit card purchases that post and settle to the account during monthly qualification cycle up to a total cash back of $6 per monthly qualification cycle. Qualifying transactions must post and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post and settle to the account. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. If you have met your qualifications for the monthly qualification cycle, we will refund domestic ATM fees of $4.99 or less, up to an aggregate amount of $25.00. Transfers between accounts and ATM transactions do not count as qualifying transactions.
Why Choose a Community Bank for Checking
Community banks offer connection and community involvement. At Emprise Bank, you get:
- Local decision-making and support
- Bankers who understand Kansas and Missouri communities and lifestyles
- Bankers who live where you do and support your community
- A relationship that goes beyond your account
If you ever have questions, or your financial needs change, you can work with local people who know you.
Who This Account Is For
This cash back checking account is a great fit if you:
- Use your debit card regularly for everyday purchases
- Like the idea of earning rewards without changing your habits
- Value both digital convenience and local, in-person support
- Prefer a community bank over a national bank
Still deciding? See how Cash Back Checking compares to High Interest Checking.
Monthly Qualifications
To earn your cash back rewards and non-network ATM fee refunds, you’ll need to:
- Make 12 or more debit card purchases*
- Enroll in convenient eStatements
- Have at least one direct deposit, automatic deposit, or automatic withdrawal
We keep the requirements simple and transparent so you always know where you stand. And if you don’t miss a requirement one month, just try again. Your account is always free.
Digital Banking That Keeps You in Control
Manage your account anytime, anywhere with:
- Mobile and online banking
- Real-time transaction tracking
- Account alerts and notifications
- Easy transfers and bill pay
You get the convenience of modern banking with the support of a local team.
Frequently Asked Questions
A cash back checking account lets you earn money back when you use your debit card for qualifying purchases*. Instead of points, you receive actual cash deposited into your account.
Yes. You can open an Emprise cash back checking account online or visit one of our 30+ local branches if you prefer in-person assistance.
No. While Emprise Bank is based in Wichita, we serve customers across Kansas, Missouri, and surrounding communities.
Yes. With Emprise, you won’t pay a monthly service fee for our Cash Back Checking account even if you don’t meet the qualification for the month.
Ready to Start Earning Cash Back?
Open your cash back checking account today and start getting more from your everyday spending, with a Kansas and Missouri community bank that puts you first.
Open your Cash Back Checking account online fast and easy.