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Earn Cash Back

on Every Purchase.
Every time.

Use your debit card 30 times in a statement cycle—then earn 20¢ cash back on every purchase. 

Open Your Account

simple. clear.

Rewarding.

1

Open a Spirit Cash Back Checking Account.

Apply online or visit your nearest banking center.

2

Use your debit card 30 times in a statement cycle.

Groceries. Gas. Coffee. Online purchases. Subscriptions. 
 
Every purchase adds up.

3

Earn 20¢ on every qualified transaction — every time.

That’s it. Spend and earn.

DIGITAL BANKING+
Spirit Cash Back Debit Card Tap

Big Banks Take Fees. We Give Cash Back.

  • No hidden monthly surprises
  • Unlimited 20¢ credits
  • Built for everyday spending
  • Local bankers who know your name
Connect With Your Local Team

we make your money work even harder.

Earn Up to $872/month.

Open a Spirit Cash Back Checking Account to unlock the benefits of our Spirit High Interest Savings Account. Complete 30 qualifying debit card transactions during a statement cycle, and you could earn up to $872 in interest on balances up to $250,000 in your Spirit High Interest Savings Account, with interest paid the following statement cycle.

 

*Rate is variable. Fees may reduce earnings. Example based on $250,000 balance at 4.25% Annual Percentage Yield, and meeting 30 qualifying debit card transactions in a Spirit Cash Back Checking Account for the previous statement cycle. APY accurate as of 3/20/26.

Learn About Savings

The Spirit of West Texas.

For over a century, First United Bank has served West Texas communities with GENEROSITY, LOYALTY, INTEGRITY, and COMMUNITY at the center of everything we do.

still have questions?

A qualified debit card transaction includes all Point-of-Sale (POS) transactions (debit and signature based) that post to your account during the statement cycle. This includes purchases made using your physical debit card, online or using your mobile wallet.

 

Excludes ATM/ITM withdrawals and person-to-person payments.

If you have an active Spirit Cash Back Checking Account, you’re eligible for a Spirit High Interest Savings Account. To earn the premium interest rate, complete 30 qualifying debit card transactions in your checking account during a statement cycle. The premium rate is credited in the following cycle. If you don’t meet the 30-transaction requirement, your savings will earn the current base rate instead.

There is no cap on the amount of cash back earnings. When we say unlimited, we mean unlimited! 

Cash back is accrued and will be credited to your account at the end of each statement cycle and will appear as a cash deposit on your monthly statement.

The Spirit Cash Back Checking Account includes a $6 monthly fee. Each qualifying debit card purchase earns a $0.20 credit toward that fee. Complete 30 transactions per statement cycle to waive the fee entirely.

If fewer transactions are made, the remaining balance will be charged.

Ready to Start Earning?

Open Your Spirit Cash Back Checking Account

Open an Account