High dividends for miles, with no monthly maintenance fee in sight. Enjoy truly free checking that pays you to bank with us.
- High Dividends
- No Monthly Maintenance Fee
- Refunds on ATM Withdrawal Fees*
- Free Digital Banking
- Free checking that pays high dividends
- 3.00% APY* on balances up to $10,000
- 3.00% to 0.28% APY on balances over $10,000 depending on balance in account*
- 0.01% APY* if qualifications aren't met
- Refunds on ATM withdrawal fees, nationwide (up to $10 monthly)*
- Link to free Kasasa Saver® to build savings automatically
- No minimum balance to earn rewards
- No monthly maintenance fee
- Free digital banking services
- Free Mastercard® debit card
- Free telephone banking
- Surcharge-free ATMs available
- No minimum deposit to open (must have $25 in Member Savings account)
It's Easy to Earn Rewards
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least 1 bill pay or ACH payment transaction
- At least 12 debit card purchases
- Be enrolled in and review eStatements
And if you don’t meet these qualifications, don’t worry — your account is still free.
Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, and debit card purchases processed by merchants and received by our credit union as ATM transactions. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Contact one of our member service representatives for specific Monthly Qualification Cycle dates.
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $10,000 in your Kasasa Cash account earn a dividend rate of 2.9595% resulting in an APY of 3%; and daily balances over $10,000 earn a dividend rate of 0.01% on the portion of the daily balance over $10,000, resulting in a range from 3% to 0.28% APY depending on the account's daily balance.
You will receive reimbursements up to an aggregate total of $10 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.
When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.01% APR resulting in an annual percentage yield of 0.01% APY and ATM withdrawal fees are not refunded.
Kasasa Saver: The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $10,000 in Kasasa Saver receive an APY of 2%; and (2) balances over $10,000 in Kasasa Saver earn 0.01% dividends rate on portion of balance over $10,000, resulting in 2% to 0.19% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.01% APY.
Dividends will be credited to your Kasasa Cash account on the first processing/business day of the following statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing/business day of the following statement cycle.
APY = Annual Percentage Yield. APYs accurate as of 04/01/23.
APY calculations are based on an assumed statement cycle of thirty-one (31) days. The advertised Kasasa Cash APY is based on compounding dividends. Dividends earned in Kasasa Cash are automatically transferred to Kasasa Saver each statement cycle and do not compound. Actual dividends amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. No minimum deposit is required to open these accounts.
Monthly automatic payments (ACH) and enrollment in online banking are conditions of these accounts. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications.
There are no recurring monthly maintenance charges or fees to open or close this account.
A Kasasa Cash account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our member service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Federally insured by NCUA.
Trademarks: Kasasa, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.