Free checking
Welcome to Stanford Federal Credit Union
We’ve got rewards for you! New members get insider access to our best financial benefits! You also get rewarded with up to $620 in cash or gift cards just by doing everyday banking.
The rewards
New members earn up to $620
Log in to Digital Banking to activate your special offers and start earning today! CashBack+ makes it fun and easy to get rewarded by completing simple tasks like signing up for direct deposit, using your debit card, and choosing eStatements (but hurry—you must activate each activity first if you want to earn the cash!).
Start earning!
- Go to CashBack+ in Digital Banking
- Click Activate for each of the activities you want to complete
- Your cashback will appear in your CashBack+ wallet shortly after you meet each requirement
- Transfer your cashback to your account as cash or use it to purchase a gift card with an added bonus!
Enjoy your Ambassador discounts and rewards
Members who do their everyday banking with us get extra benefits, and as a new member you get to sample those perks! These rewards last for a full three months, and that’s plenty of time for you to qualify as an Ambassador and keep the perks.
Start using your rewards!
These rewards and discounts are yours to enjoy while you’re in your New Member Period, so open a certificate to enjoy a higher rate* or use any ATM in the world for free.
It doesn’t take a lot of money to be an Ambassador once your New Member Period ends, you just need to do your everyday banking with us! See how
*You must meet the Ambassador requirements before the end of your New Member Period to keep the higher rate on your certificate.
How long do these rewards last?
Both your New Member Period Ambassador rewards and your CashBack+ rewards start the day you open your membership PLUS the following three full calendar months. For example, if you joined January 1, your rewards would last until April 30 (120 days). If you joined on January 31, your rewards would last until April 30 (90 days).
Although the initial Cashback+ rewards will expire, more offers will come in the future. Keep checking Digital Banking to see new offers and earn more rewards!
The Ambassador rewards can be extended with qualifying account activities.
How can I extend my rewards?
Keep your Ambassador rewards going by having the following monthly activities on your checking (spending) account:
- Payroll or social security direct deposit (minimum $2,500 monthly)1 OR $1,000 in monthly debit card purchases
- One to two key qualifiers:
- Minimum 20 debit card purchases per month
- Deposit accounts with monthly combined $25,000+ balances (excluding certificates)2
- Credit card3
- Consumer loan: Vehicle or Personal loan
- First mortgage (counts as two!)
- Second mortgages and HELOCs4
- Investment account with Stanford Federal Investment Services5
View disclosures
Members who meet one key qualifier will enjoy Partner benefits. Members who meet two key qualifiers will enjoy Ambassador benefits.
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What happens to my Certificate if I don’t extend my rewards?
Your Certificate rate will decrease by .50%, since the bonus Certificate rate will no longer apply.
View disclosures
How do I set up direct deposit?
It’s easy to set up your direct deposit in just a few minutes.
What else does Stanford FCU offer?
Free ATMs
Zelle®
Membership Rewards
Shareholders? Haven’t heard of them. We’re not-for-profit and owned by our members. This means all earnings go back to YOU in the form of lower fees, lower loan rates and higher deposit rates, just for being a member at Stanford FCU!
- Free checking (find a spending account with no minimum balance or direct deposit requirements)
- Free ATMs—Ambassadors get unlimited free worldwide ATMs!
- Rewards credit cards with up to 5% cash back and no annual, foreign transaction or balance transfer fees
- Up to 1.00% rate discount on auto and personal loans
Learn how to get the discount
- Earn cash bonuses each time you refer friends, family and co-workers
- High rate Certificates to make your savings grow
- Free financial education and webinars
- Free investment portfolio analysis
Learn more about investments
“The financial advantages at Stanford Credit Union are hard to beat. Their rates and terms consistently outshine those of big banks, which makes saving and growing your money easier and more rewarding. What’s more, the transparency and minimal fees are a breath of fresh air in an industry often known for hidden costs.”
– Wilson L.
Bigger isn’t better when it comes to banking—
see for yourself
*Open a Stanford FCU Everyday, Premier or High Yield Spending account beginning 2/20/25, activate the Cashback+ offers in Digital Banking, then complete each task within your new member period to earn the assigned reward in your choice of cash or gift cards. Tasks and rewards are subject to change without notice. Offer is not available to existing members and will be limited to one reward per task per household. The rewards will be credited to your Cashback+ wallet within 35 days from satisfaction of the requirements. The 3-month new member period begins on the first day of the month following your account open date.
Offer does not apply to second or multiple spending accounts and/or existing members with spending accounts, and will be limited to one bonus per household. The spending account must remain open a minimum of three months. Any taxes due on the bonus deposit are the sole responsibility of the recipient. Stanford FCU will report the bonus deposits to the appropriate state and federal agencies, as required by applicable law. This offer is not valid with any other Stanford FCU promotional offer, and is subject to change without notice. Membership eligibility required.
