KASASA

Free Checking. awesome rewards.

We believe in rewarding our members! That’s why all of our Kasasa checking accounts are free, PLUS they pay monthly rewards. Choose your rewards: cash back, big earnings or online credits.
5% Cash Back Checking

5% Cash Back on debit card purchases

5.05% APY* Cash Checking

Earn 5.05% APY* on balances up to $15,000

$10 Refund Eats or Play

monthly on select grocery and streaming

CASH
KASASA
CASH CHECKING
5.05%
APY* balances up to $15K
Reward Checking
Our best-rate checking!
$15 min. deposit to open
New Rate! Earn an AMAZING 5.05% APY* monthly on balances up to $15,000
No minimum balance
No monthly service fees
$20 refund on ATM fees**
EATS
Kasasa
EATS CHECKING
$10.00
Every Month
Reward Checking
Earn $10 every month*
$15 min. deposit to open
Earn up to $10 every month when you use your debit card to purchase groceries or select grocery delivery services 
No minimum balance
No monthly service fees
$20 refund on ATM fees**
PLAY
Kasasa
PLAY CHECKING
$10.00
Every Month
Reward Checking
Earn $10 every month*
$15 min. deposit to open
Earn up to $10 every month when you use your debit card to purchase music, video, gaming, and other select streaming services monthly
No minimum balance
No monthly service fees
$20 refund on ATM fees**
$BACK
KASASA
CASH BACK CHECKING
5.00%
on $200 debit card purchases*
Reward Checking
Earn $10 every month*
$15 min. deposit to open
Earn up to $10 every month on your first $200 in monthly debit card purchases
No minimum balance
No monthly service fees
$20 refund on ATM fees**

Personal Checking

Our personal checking accounts are loaded with lots of extras to help get you through your day, including FREE: e-Statements, ATM withdrawals, bill pay, debit card, Picture This card design, budgeting tools and so much more!

Money Desktop

Free budgeting and financing tool, inside the FCU app and in desktop online banking.

Custom Card Design

Upload your favorite picture to create your own custom debit or credit card.

IDProtect
Protection from identity theft PLUS cell phone protection too!
E-Alerts

Free alerts sent to your smartphone or email about account balances and transactions.

Card Controls

Turn your cards on and off with Card Controls inside the FCU app.

Free Debit Card

Our checking accounts come with a free MasterCard debit card! And, use our Picture This platform to create your own custom debit card with your favorite picture and emojis.

Personal checking

Debit Round Up

Every time you use your FCU debit card to pay for a purchase, we’ll round it up to the next even dollar amount. At the end of every day, we’ll put that change in to any FCU savings account you choose. It’s a great way to pay yourself first.

Debit Round Up

Every time you use your FCU debit card to pay for a purchase, we’ll round it up to the next even dollar amount. At the end of every day, we’ll put that change in to any FCU savings account you choose. It’s a great way to pay yourself first.

Kasasa Cash Checking
APY**Div RateMax.Details
Dollar AmountDescription
5.05%4.94%$15,000Non-qualified accounts earn .01%APY
5.05% - 0.78%0.14%Over $15,000Non-qualified accounts earn .01%APY
*Qualifying accounts are accounts that receive e-statements, do a minimum of 15 debit card transactions and a minimum of one ACH debit/bill pay during the qualifying cycle. **APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Federally insured by NCUA. Contact us for more information.

Effective Date: April 23, 2024
Kasasa Cash earns 5.05%APY on the first $15,000 on months members qualify. Kasasa Cash Back earns 5.00% on the first $200 of debit card purchase on months members qualify. Kasasa Tunes earns up to a $10 refund from iTunes, Google Play or Amazon purchases on months you qualify.  Kasasa Saver can be opened if you have a Kasasa Cash or Kasasa Cash Back checking. Kasasa Saver earns 3.00%APY on the first $50,000 on months members qualify.


Kasasa Saver
APY**Div RateMax.Details
Dollar AmountDescription
3.00%2.96%$50,000Non-qualified accounts earn .01%APY
3.00% - 1.09%0.14%Balances over $50,000Non-qualifying accounts earn .01%APY
Qualifying accounts are accounts that receive e-statements, do a minimum of 15 debit card purchases and a minimum of one ACH debit/bill pay during the qualifying cycle. **APY=Annual Percentage Yield. Rates may change at any time. Contact us for more information. Only members with a Kasasa Cash or Kasasa Cash Back checking can also take advantage of a Kasasa Saver savings account. When you qualify each month with your Kasasa Cash and Kasasa Cash Back you automatically qualify with your Saver account too. Members will forfeit dividends if accounts closed before accrued dividends are posted. Federally insured by NCUA.

Effective Date: April 23, 2024

Health Savings Checking Account (HSA)
Investment AmountAPY**Div Rate*
$0.01 - $9990.15%0.15%
$1,000 - $2,4990.30%0.30%
$2,500 - $9,9990.30%0.30%
$10,000 and up0.30%0.30%
**APY=Annual Percentage Yield. Rates may change at any time. Members will forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. Our Health Savings Account features a small set-up charge and a small monthly-service charge. HSA's are designed for those members with high deductible health insurance plans. Contact our Business Department at (989)497-1600 for more information on our very attractive HSA program.

Effective Date: April 23, 2024

Express yourself through a wide variety of unique check designs, colors, images, and scenes. You can even customize checks with your own flair using fonts, messages, symbols and icons, monograms, and more.

To reorder checks you will need your account number plus the suffix 110 and our routing number 272 480 131

Qualification Cycle for Kasasa is the last day of the prior month through the second to last day of the current month.  To qualify monthly Kasasa Cash, Kasasa Cash Back and Kasasa accounts require e-statements, a minimum of 15 approved and processed debit card transactions of $5 or more and one ACH withdrawal (Kasasa Eats and Kasasa Play do not require an ACH withdrawal).

What is the reward cycle? The cycle over which the qualifications are tracked for rewards is the last day of the previous month through the second last day of the current month. For example, the January cycle is December 31 through January 30. This is the time frame that the debit transactions and ACH debit need to post on your account. For clarification, refer to calendar below.

How will the rewards post? ATM fee refunds will post on the last day of the month. If you have a Saver account, rewards will post to Saver. Interest will post on the 1 st of the month.

To Change PIN on FCU ATM/debit cards

Report Lost or Stolen Frankenmuth Credit Union debit or credit card?

Call 1-888-241-2510 (inside U.S.)
or 1-909-941-1398 (outside U.S.)

Qualification Information:

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 to qualify for the account’s rewards. To earn your account’s rewards, the following enrollments must be in place and all transactions and activities must post and settle to your selected Kasasa Checking account during each Monthly Qualification Cycle:

Qualifications
• At least one [1] ACH payment transaction*
• At least fifteen [15] debit card purchases, each of $5.00 or more
• Be enrolled and receive e-statements
*ACH Transaction not required for Kasasa Eats or Kasasa Play

The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by Frankenmuth Credit Union. 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) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. Contact one of our service representatives for specific Monthly Qualification Cycle dates.

Reward Information:

Depending on what Kasasa account you have, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle.

Cash Back & Refund Reward Accounts: The following accounts are free, variable reward checking account with no minimum balance that reward accountholders with nationwide ATM withdrawal fee refunds and provide “cash back” or “refund” rewards if Monthly Qualifications are met during Monthly Qualification Cycle:
Kasasa Cash Back: you will receive 5.00% cash back on up to a total of $200 debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle.
Kasasa Eats: earns cash back of 5.00% monthly on the first $200 in select grocery and food delivery debit cards purchases that post and settle to the account during that cycle person. A maximum of $10 a month earned per Monthly Qualification Cycle.
Kasasa Play: earns a refund of up to $10 a month on music, video, gaming, and other select monthly services each month members qualify. A maximum of $10 a month earned per Monthly Qualification Cycle. The cash back or reward payments will be credited to your Kasasa check

Dividend Reward Accounts: The following accounts are free, variable reward checking account with no minimum balance that rewards accountholders with nationwide ATM withdrawal fee refunds and provide “dividend” rewards if Monthly Qualifications are met during Monthly Qualification Cycle:
Kasasa Cash: daily balances up to and including $15,000 earn a dividend rate of 4.95% resulting in an APY of 5.05% and daily balances over $15,000 earn a dividend rate of .13991% on the portion of the daily balance over $15,000 resulting in a range from 5.05% to .78% APY depending on the account’s daily balance.
Kasasa Saver: daily balances up to and including $50,000 in your Kasasa Saver account earn a dividend rate of 2.96% resulting in an APY of 3.00% and daily balances over $50,000 earn a dividend rate of .13991% on the portion of the daily balance over $50,000 resulting in a range from 3.00% to 1.09% APY depending on the account’s daily balance.
Dividends will be credited to your Kasasa Cash and Kasasa Saver accounts on the first processing/business day of the following statement cycle.

You will receive reimbursements up to $20.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash, Kasasa Cash Back, Kasasa Eats, or Kasasa Play account during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. FCU reimburses ATM withdrawal fees based on estimates when the withdrawal information FCU receives does not identify the ATM fee. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, Kasasa Eats and Kasasa Play transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.

When Qualifications are Not Met in a Month: Depending on your Kasasa account, when your qualifications are not met, cash back and reward payments are not made. Music, video, gaming or other select service purchases are not reimbursed. Nationwide ATM withdrawal fees are not reimbursed. Kasasa Cash: the entire daily balance in the Kasasa Cash account earns .01% APY. Kasasa Saver: the entire daily balance in the Kasasa Saver account earns .01% APY.

If Kasasa Cash, Kasasa Cash Back, Kasasa Eats, or Kasasa Play are linked to Kasasa Saver, the following also apply:
Kasasa Cash: When linked to a Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account balance is less than the transferred amount when the transfer occurs.
Kasasa Cash Back, Kasasa Eats, or Kasasa Play: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back, Kasasa Eats, or Kasasa Play account will be credited to your Kasasa Saver account on the last day of the current statement cycle.

APY = Annual Percentage Yield. APYs accurate as of April 1, 2024. APY calculations are based on an assumed balance of $115,000 in your Kasasa Cash account and $150,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change 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.

Additional Information:

Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $15.00 minimum deposit is required to open the Kasasa checking account. No minimum deposit is required to open the Kasasa Saver account. Limit of one (1) account(s) per Social Security Number. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash, Kasasa Cash Back, Kasasa Eats, or Kasasa Play account is required to have a Kasasa Saver account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Frankenmuth Credit Union reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over 120 days consecutive Statement Cycles. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. Your Savings Insured To $250,000 Per Account, American Share Insurance.

Bonus Information:
$15.00 minimum deposit is required to open the account. Limit one account(s) per social security number. Annual Percentage Yield (APY) varies by account, account balance and if qualifications are met. See Reward Information Section below for account APY information.

Trademarks:
Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Saver, Kasasa Eats, and Kasasa Play are trademarks of Kasasa, Ltd., registered in the U.S.A.

The Debit Card contest runs from April 1, 2024 – May 31, 2024. Members will be entered in to win an Apple iPad (10th Generation) every time they use their Frankenmuth Credit Union debit card with a signature-based transaction.

One (1) Prize Winner will be selected on or about June 5, 2024, by a random drawing from all qualified entries received between April 1, 2024 and May 31, 2024. Each time an eligible member uses their Frankenmuth Credit Union debit card with their signature during the contest period they will be entered in the contest allowing for multiple entries. PIN-based transactions will not be entered in the contest.

This contest is open to members of a participating credit union who are 18 years or older and legal residents of the United States at time of entry (excluding, without limitation, such residents if located in Puerto Rico and other U.S. Territories). Employees of the cuasterisk.com network and employees of Frankenmuth Credit Union and their immediate family members are not eligible.

2. Eligible members of Frankenmuth Credit Union may enter the contest by:
a. Performing a signature-based debit card transaction from their credit union account;
b. Printing their name, credit union, address, telephone number and age on a post card or piece of paper and mailing it to: CU*Answers, Attn: Marketing Contest, 6000 28th St. SE, Grand Rapids, MI 49546.

3. All entries received from April 1 – May 31, 2024, will qualify and be entered into the drawing. All entries become the property of the credit union, will not be returned, and are subject to verification. Each time an eligible member performs a signature-based debit card transaction during the contest period or mails a post card as described above they will be entered in the contest allowing for multiple entries.

4. The winner will be selected by a random drawing to be held on or about June 5, 2024, from qualified entries received. The drawing will be held at CU*Answers at 6000 28th St SE, in Grand Rapids, MI, by CU*Answers staff members. The winner will be notified by email or by telephone. The number of qualified entries will determine the odds of winning. If the winner cannot be contacted or does not respond in 45 days, the winner will be disqualified and a substitute winner will be randomly selected from the remaining entries.

5. One (1) Grand Prize Winner will receive one (1) Apple iPad (10th Generation) (retail value $399.00). The Grand Prize is provided by CU*Answers. No substitution or transfer of prizes will be allowed. CU*Answers reserves the right to substitute a prize of equal or greater value.

6. The Grand Prize will be provided directly to the winning member’s credit union for delivery to the winner.
CU*Answers assumes no responsibility in relation to these prizes.

7. The sponsor of the contest is CU*Answers, 6000 28th Street SE, Grand Rapids, MI 49546. All decisions of
CU*Answers in applying these contest rules will be final.

8. CU*Answers is not responsible for lost entries, misdirected entries, undelivered or late entries, computer or internet problems, hacking, viruses, technical or other issues beyond the reasonable control of CU*Answers.

9. No purchase is necessary to enter this contest. Terms and conditions may apply. Participation constitutes an entrant’s full and unconditional agreement to these rules.

10. The Contest is subject to all applicable federal, state, municipal, and local laws and regulations. Void where prohibited by law.

11. In case of a dispute as to the identify of a winner that entered online, such entry will be made by the registered user of the email account, and if a prize is won, and such registered user has submitted a valid entry, the prize will be awarded to such registered user.

12. Except as otherwise prohibited by law, by entering this contest, each entrant grants permission to CU*Answers to use his/her name, address, and likeness for advertising/publicity purposes in any and all media without further compensation. Winners may be required to sign an affidavit of eligibility and a publicity release.
Failure to comply may result in forfeiture of the prize and the awarding of the prize to another individual.

13. By participating in the contest, each entrant agrees to release and hold harmless CU*Answers and their officers, directors, employees, agents, and representatives, from and against any and all claims or liability arising directly or indirectly from participating in the contest or the award of any prize.

14. By submitting an entry, each entrant agrees that if he/she is awarded a prize, CU*Answers may verify the information provided, including credit union membership, as a condition of the entrant receiving a prize. All prizes are awarded “as-is” and without warranty of any kind. All local, state and federal taxes are the sole responsibility of the winner.

15. No third-party business, including Apple Inc., is associated with nor sponsoring this contest.