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.
2% Cash Back

Earn 2% Cash Back on all your debit card purchases.

3% APY*

Earn 3% APY* interest on balances up to $7,500.

$10 Tunes

Earn $10 for iTunes, Google Play or Amazon refunds.

CASH
KASASA
CASH BACK
2% Cash Back
on debit card purchases
CASH BACK
No minimum balance
No monthly service fees
Unlimited check writing
$25 refund on ATM fees** nationwide
Link to Kasasa Saver account
$15 min. deposit to open
WOW!
Kasasa
CASH CHECKING
Earn 3% APY*
balances up to $7,500
CASH CHECKING
No minimum balance
No monthly service fees
Unlimited check writing
$25 refund on ATM fees** nationwide
Link to Kasasa Saver account
$15 min. deposit to open
TUNES
KASASA
TUNES
$10 Online Refund
iTunes, Google Play, Amazon
TUNES
No minimum balance
No monthly service fees
Unlimited check writing
$25 refund on ATM fees** nationwide
Link to Kasasa Saver account
$15 min. deposit to open

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 RateMaximumDescription
Dollar Amount
3.00%2.95%$7,500.00Non-qualified accounts earn .01%APY
3.00% - 0.35%0.14%Over $7,500.00Non-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. Contact us for more information.

Effective Date: October 25, 2021
Kasasa Cash earns 3.00%APY on the first $7,500 on months members qualify. Kasasa Cash Back earns 2.00% on the first $500 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 1.00%APY on the first $50,000 on months members qualify.


Regular Savings, Escrow, Club & Birdie Accounts
MinimumMaximumAPY**Div Rate*
Dollar AmountDollar Amount
$100.00$9,9990.02%0.02%
$10,000$24,9990.02%0.02%
$25,000$99,9990.02%0.02%
$100,000and up0.02%0.02%
*Members 18 and older are asked to keep an aggregate balance of at least $100 to avoid a $5 monthly service charge. **APY=Annual Percentage Yield. Rates may change at any time. Members would forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information.

Effective Date: October 25, 2021

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 and one ACH withdrawal (Kasasa Tunes does not require an ACH withdrawal).  Contact us for more information on rates.

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. The following activities are required monthly to qualify for rewards: enrollment in electronic statements, one ACH debit and 15 debit card transactions are a condition(s)] of Kasasa Saver’s linked Kasasa Cash, Kasasa Cash Back or Kasasa Tunes account(s). Kasasa Tunes does not require an ACH debit to qualify. 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 our 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.
Kasasa Cash Back: you will receive 2.00% cash back on up to a total of $500 PIN-based/signature-based 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 Tunes: you will receive up to an aggregate total of $10.00 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. To be refunded, iTunes, Amazon.com, Google Play purchases must be made with your Kasasa Tunes debit card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified ends.

Kasasa Cash: daily balances up to and including $7,500 receive an APY of 3.00% and daily balances over $7,500 earn a dividend rate of .14% on the portion of the daily balance over $7,500 resulting in a range from 3.00% to .35% APY depending on the account’s daily balance.
Kasasa Saver: daily balances up to and including $50,000 in your Kasasa Saver account earn an APY of 1.00% and daily balances over $50,000 earn a dividend rate of .14% on the portion of the daily balance over $50,000 resulting in a range from 1.00% to .43% APY depending on the account’s daily balance.
You will receive reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash, Kasasa Cash Back or Kasasa Tunes 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. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, iTunes, Amazon.com or Google Play purchases are not reimbursed, nationwide ATM withdrawal fees are not reimbursed and: 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. Dividends will be credited to your Kasasa Cash and Kasasa Saver accounts on the first processing/business day of the following statement cycle. The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.
If Kasasa Cash or Kasasa Cash Back 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: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back 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 December 30, 2020 APY calculations are based on an assumed balance of 3.00% + $7,500 in your Kasasa Cash account and 1.00% + $50,000 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 Cash and Kasasa Cash Back 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 or Kasasa Cash Back 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. 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:
As a bonus to individuals who open and fund a new Kasasa Tunes account, our credit union will refund up to an aggregate total of $20.00 (which includes any applicable taxes) for any iTunes, Amazon.com or Google Play purchases made with your Kasasa Tunes debit card that post and settle to the account within the first 45 calendar days after your account is opened. Any portion of this bonus that is not used within the stated time period will be forfeited. No minimum balance is required to obtain this bonus. $15.00 minimum deposit is required to open the account. Limit one account(s) per social security number and one account opening bonus per account per calendar year. Annual Percentage Yield (APY) varies by account, account balance and if qualifications are met. See Reward Information Section below for account APY information.
Trademarks:
iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program. Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Saver and Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A.