Earn 1% cash back on everyday purchases.

A free checking account that pays you cash back*.

Open an Account

spend+ cashback checking

Enjoy benefits that make every transaction rewarding.

Earn 1% Cash Back

on up to $2,000 in debit card purchases each month.

Get Paid Early*

Set up direct deposit and get paid up to two days early.

Access to 88,000+ ATMs

Use your debit card to access funds fee-free with one of the nation’s largest ATM networks.

A CHECKING ACCOUNT THAT DOES MORE

All the features you love and cash back, too.

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Digital Wallets

Link your debit card with Apple Pay , Google Pay,  or Samsung Pay  and keep earning cash back.

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Hassle-Free

No monthly fee, minimum balance, or transaction requirements needed to earn cash back—simply enroll in e-statements.

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All in One App

Deposit checks, transfer funds, pay bills, and more, all in the Texas Tech Credit Union app.

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get started

Ready to start earning cash back?

It's quick and easy to open your account. Enter some basic information to get started.

Open an Account

Frequently Asked Questions

How do I earn cash back with my Spend+ Cashback Checking account?

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You may earn 1% cash back on up to $2,000 in debit card purchases each month*. That's up to $240 each year! Cash back is paid on the last day of each month.

* See Member Information Packet for details on transaction eligibility, limitations and terms.

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Are there any fees or requirements with Spend+ Cashback Checking?

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This is a free account, with no monthly service fees, no minimum balance fee and no transaction requirements needed to earn cash back.

Members must be enrolled in e-statements to earn cash back. Accounts with paper statements may still have a free Spend+ Cashback account, but are not eligible for cash back.

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How many Spend+ Cashback accounts can I have?

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Each membership is limited to one Spend+ Cashback Checking account. You can have as many Spend Checking accounts as needed.

Can I convert my existing account to a Spend+ Cashback Checking account?

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Yes, converting an existing checking account to a Spend+ Cashback Checking can be done at any branch, or by giving our team a call today. Converting your account will not change your account number, debit card number, or disrupt any existing payments and transfers.

*Important Information

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* The maximum amount of cash back that an account may earn on qualifying transactions each month is $20. Electronic statements required to earn cash back.

** Direct deposit required. Receiving direct deposit funds up to two days early is dependent on when payment details are provided by the payer. If your deposit does not arrive early, it will arrive on your scheduled payday.