
Kickstart Cashback
Light a fire under your finances and get 1% cash back50 with every purchase you make.
Breadcrumb
Our Kickstart Cashback account is designed for members ages 16-25 just starting out, navigating their first debit card and learning firsthand the benefits of good money management. Every coffee run, every delivery order during a late-night study session, every bill you pay gets you 1% cash back.50
Benefits & features
- 1% cash back50 on purchases of $5 or more
- Earn up to $25 in rewards each month just by meeting a few simple qualifications.
- No monthly fees and no minimum balance
- Safe and secure online banking through our mobile app
- Direct deposits (like paychecks) up to three days sooner3
- Duck or Beaver fan? Show your school spirit with an official team debit card.

Pick your plastic to earn cashback
Keep it classic or show your school spirit with three debit card options. All of our debit cards are made of recycled plastic.
How it works
Ready to get rewarded? Just meet these four qualifications each month:
- Receive your monthly statements electronically.
- Use MyOCCU Online & Mobile at least once.
- Make at least 10 debit card purchases. (Use your debit card, mobile wallet, tap-to-pay — however you make your purchases!)
- Make one direct deposit or automatic payment. (Set up an automatic payment for your streaming services, utilities and more directly from your debit card. Or have your paycheck delivered directly to your account.)
50Kickstart Cashback account annual percentage yield (APY): 0.00% APY. Earn 1% cashback on debit card transactions totaling $5 or more when monthly qualifications are met. Monthly maximum for cashback is $25 a month. To receive cashback benefits, Member must meet all monthly qualifications: 1) Active enrollment in eStatements, 2) One (1) login to MyOCCU Online & Mobile (must be done prior to the last day of the month), 3) Complete 10 cleared debit card purchases, including card present, online, outgoing P2P, or outgoing digital wallet, 4) One (1) direct deposit or automatic (ACH) payment. APY and cashback rewards effective as of 08/12/2025 and subject to change. Fees may reduce earnings.
3Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. OCCU may, but shall not be required to under any circumstances, make these funds available on the day the payment file is received, which may be up to three (3) days earlier than the scheduled payment date. OCCU does not assume any liability for not depositing these funds to your account early. OCCU may terminate early access at any time without notice.