Re: CFCU Pay Me Checking

dukembams · ‎01-03-2025

This was my 1st full month with my local credit union's, Communication Federal Credit Union, Pay Me Checking Account.

We made 111 debit card transactions and the rewards amount was $11.10 which is not too shabby.

FicoMike0 · ‎01-03-2025

Wow that's a lot of transactions!

dukembams · ‎01-03-2025

When you have 5 kids under 7 with (2) of them in diapers/pull ups, you have a ton of transactions. 😝

ptatohed · ‎01-03-2025

Without going to their website, what is Pay Me Checking? I'm guessing they pay you 10c per transaction?

Just imagine, that $11.10 you earned could have been $55.50 with primis' 50c per transaction!!!

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

dukembams · ‎01-03-2025

@ptatohed that is correct. It is $0.10 per transaction.

A couple more perks are that they reimburse up to $10 in ATM fees per month, member of Co-Op Shared Branching, no FTF.

I have tried to get a Primis Account but when I login to continue my application, it logs me out, and I repeat the process over and over. It is weird.

ElvisCaprice · ‎01-04-2025

For how much the 111 transactions? If you used a CC with say 4%, what would you have saved instead?

BofA (w/PH Status):

Premium Rewards (for SUB & PC to CCR no FTF)

Citi:

US Bank:

Chase:

Aven:

RH:

CB Debit Cards:

For Aven Rewards Visa ref www qsv.com

kremonis · ‎01-07-2025

@dukembams wrote:
This was my 1st full month with my local credit union's, Communication Federal Credit Union, Pay Me Checking Account.

We made 111 debit card transactions and the rewards amount was $11.10 which is not too shabby.

@dukembams

I am curious. Is a there a reason you choose use this cash back debit card as opposed to a cash back credit card?

dukembams · ‎01-09-2025

@kremonis I have student loans and a mortgage. No other debt. While I figure I could pay it off monthly, I just would rather not have the "temptation" of over using it. With the debit card, there is no overspending it. It has worked well for us, fortunately. 🙂

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CFCU Pay Me Checking