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Checking Account

Ultimate Checking Account

Open a FREE Ultimate Checking and enjoy cash back Debit Card rewards and refunds on ATM withdrawals; nationwide. Want to learn more? Click here to read a short blog post about Benchmark’s Ultimate Checking Account.

Key Features:


  • FREE rewards checking

  • 2% cash back on Debit Card purchases with no category restrictions on purchases & cash back earned on up to $500 in purchases monthly

  • Refunds on ATM withdrawal fees, nationwide (up to $10 monthly)

  • Links to Ultimate Saver Account to build savings automatically

  • No monthly maintenance fee

  • No minimum balance to earn rewards

  • Free digital banking

  • Instant-issued MasterCard Debit Card

  • No minimum deposit to open

It’s Easy to Earn Your Rewards

Cash Back Debit Card Reward – It’s easy to qualify, you’re probably already doing it.  Enrollments must be in place, and all of the following transactions and activities must post and settle to your Ultimate Checking during each Monthly Qualification Cycle:

  • At least 12 signature or PIN-based Debit Card purchases
  • Be enrolled in and agree to receive eStatements

Even if you don’t meet your monthly qualifications during the cycle, your Ultimate Checking is still free.  You can get right back to earning your cash back Debit Card rewards and ATM withdrawal refunds the very next month.


When monthly qualifications are met, you receive 2% cash back on Debit Card purchases that post to and settle account during Monthly Qualification Cycle up to a total cash back of $10 per month. Qualifying transactions must post to and settle account during Monthly Qualification Cycle. Transactions may take one or more business days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying Debit Card transactions. “Monthly Qualification Cycle” means a period ending one (1) day prior to the last business day of each month. Ultimate Checking rewards will be credited to your Ultimate Saver on the last day of the monthly statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $10 if qualifications are met within Monthly Qualification Cycle. Transfers between accounts do not count as qualifying transactions. Limit one Ultimate Checking Account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Discover what Benchmark can do for you

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