--- title: Swipe Better with an RMCU Checking Account description: Make sure to get your nickels in 2020. RMCU's Swipe Checking gives you .05 cashback when you swipe your Mastercard Debit Card. Let's check out your options image: https://rmcu.net/hubfs/RMCU_Debit_Card-01.jpg --- [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net) [Online Banking Login](https://banking.rmcu.net/auth/signin) [Online Banking Login](https://banking.rmcu.net/auth/signin) [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net) - - [Home Loans](https://rmcu.net/home-loans) - [Personal](https://rmcu.net/personal) - [Business](https://rmcu.net/business) - [Membership](https://rmcu.net/membership) - [Careers](https://rmcu.net/membership/about-rmcu/careers) - [Contact Us](https://rmcu.net/contact-us) - Search - [Financial Education ▾](https://rmcu.net/blog/swipe-to-save-swipe-for-rewards#financial-education-nav) - [About RMCU ▾](https://rmcu.net/blog/swipe-to-save-swipe-for-rewards#about-rmcu-nav) - [Security](https://rmcu.net/membership/security) - [TruStage: Security Alert](https://rmcu.net/trustage-security-alert) - [Money Mastermind](https://rmcu.net/money-mastermind-lessons) - [Financial Counseling](https://rmcu.net/financial-counseling) - [Savvy Money](https://rmcu.net/membership/financial-education/savvy-money) - [Blog](https://rmcu.net/blog) - [Resources](https://rmcu.net/resources) - [RMCU Team](https://rmcu.net/membership/about-rmcu/rmcu-team) - [Member Information](https://rmcu.net/membership/about-rmcu/member-information) - [Annual Meeting](https://rmcu.net/membership/about-rmcu/annual-meeting) - [Community](https://rmcu.net/membership/about-rmcu/community) - [Our History](https://rmcu.net/membership/about-rmcu/history) [back to blog](https://rmcu.net/blog) [Financial Literacy](https://rmcu.net/blog/topic/financial-literacy) # Swipe to Save, Swipe for Rewards Read Time **3 mins** | Written by: Rocky Mountain Credit Union [mailto:?subject=Swipe%20Better%20with%20an%20RMCU%20Checking%20Account&body=https%3A%2F%2Frmcu.net%2Fblog%2Fswipe-to-save-swipe-for-rewards](mailto:?subject=Swipe%20Better%20with%20an%20RMCU%20Checking%20Account&body=https%3A%2F%2Frmcu.net%2Fblog%2Fswipe-to-save-swipe-for-rewards) If you're the type of person who prefers to make purchases with cash in hand over using credit, going for a debit card can give you some middle ground to reap the benefits of both. Here are a few of the best perks. So read on, and then get swiping.    # Heightened Security While cash in your home or wallet can be lost or stolen and never seen again, you can call to suspend or cancel your debit card at the first sign of suspicious activity. And since your account with RMCU is insured, you're protected against fraudulent charges.  Chip-enabled debit cards hold a tiny computer inside that slim exterior. That processor enables your card to encrypt information and protect your personal data as the terminal processes the transaction. That makes it much harder for thieves to skim your info, helping reduce identity theft. You might argue that there's no risk of identity theft if you're just paying cash, but cash doesn't protect you against purse snatching or break-ins, and it certainly doesn't let you shop online. There's a lot to be said for spending with debit these days.    # No Annual Fees Swiping with debit comes with the benefit of no annual fees that you might be charged with a credit card, but you can still utilize those vital electronic payments as you online shop or buy from automated kiosks. You don't have to spend money just to spend your money when you're using debit.   # Overdraft Protection When you're spending with a debit card, you're only handing over money that's already yours and in your account. Even so, you don't have to stress about hefty fees if you miscalculate on a bank account balance: just make sure you have overdraft protection set up with your RMCU checking account. That way, a 20-cent accounting error won't cost you much more in fees.       ![RMCU\_q1\_2\_c](https://rmcu.net/hs-fs/hubfs/RMCU_q1_2_c.jpg?width=3472&name=RMCU_q1_2_c.jpg)   # Swipe Your Way to Rewards Typically, you think of credit cards when you think of rewards. But with an RMCU Swipe account, you can earn rewards just on your checking account. You get 5¢ cents back every time you swipe after ten swipes in a month. Your morning coffee, lunch, after-work beer at the brewery, and the milk you pick up on your way home, all of them are earning you money. You get cashback with groceries, cashback with bills, cashback with pets, cashback with gas, cashback with ski passes, cashback with coffee: Swiper, keep swiping, and keep getting cashback with every purchase you make. With so many ways to build your cashback rewards, it has never been easier to swipe even with contactless payment methods.    # More Ways to Swipe Now in 2020, enjoy the same Swipe benefits when you pay with Samsung Pay or Apple Wallet. Yup, you don't even have to pull out your wallet anymore—you can just tap your phone and go. It doesn't get much easier than that. Swiper, keep swiping with RMCU.   [Click here](https://www.rmcu.net/personal-banking/checking-accounts) to find out more about your RMCU checking account options, including Swipe.  ##### Rocky Mountain Credit Union Share the Love [mailto:?subject=Swipe%20Better%20with%20an%20RMCU%20Checking%20Account&body=https%3A%2F%2Frmcu.net%2Fblog%2Fswipe-to-save-swipe-for-rewards](mailto:?subject=Swipe%20Better%20with%20an%20RMCU%20Checking%20Account&body=https%3A%2F%2Frmcu.net%2Fblog%2Fswipe-to-save-swipe-for-rewards) You May Like These ## Related Articles ![](https://rmcu.net/hs-fs/hubfs/RMCU_q1_feature_c.jpg?width=700&name=RMCU_q1_feature_c.jpg) Financial Literacy ### [Swipe Better with an RMCU Checking Account](https://rmcu.net/blog/personal-checking-2020) Make sure to get your nickels in 2020. RMCU's Swipe Checking gives you .05 cashback when you swipe y... 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