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Kasasa Cash Back Checking

Kasasa Cash Back Checking is a free checking that earns 5.00% cash back on the first $200 a month in debit card purchases.

Free Kasasa Cash Back checking let's you earn up to 5.00% cash back on everyday debit card purchases with no merchant restrictions. Wow!  Plus, when you do need cash, we will even refund your foreign ATM surcharge fees on months for which you qualify.

Free Kasasa Cash Back Checking includes:

  • 5.00% cash back on debit card purchases (on first $200 in purchases per month)*
  • Refunds on ATM fees, nationwide (up to $25 monthly)*
  • Can link to Kasasa Saver® for automatic savings
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking with bill pay
  • Free e-statements
  • Free debit card
  • Add a free Kasasa Saver savings account to earn high rates of return on your first $50,000 in the account
  • $15 minimum deposit to open

It’s easy to earn your Kasasa Cash Back rewards!

Meet simple qualifications and we’ll thank you in cash. Banking basics save time and even you money. To earn your full rewards, just do the following transactions and activities within your FCU Kasasa Cash Back account during each monthly qualification cycle:

  • Have at least 15 debit card purchases post and settle
  • Be enrolled and receive e-statement notices
  • Have at least one ACH debit withdrawal post and settle

That’s it! And, best of all, your FCU Kasasa Cash Back account is always free – even if you do not qualify for the month. Plus, you can get back to earning cash back and refunds on ATM fees the very next cycle!

Rewards will be deposited into your account on the first of every month. If you do not qualify this month, it's ok. Just try again next month, there is no penalty!

Visit our entire Kasasa family of free and rewarding banking services. Get paid for doing what you are already doing – go Kasasa!

Kasasa Cash Checking – Earn a rate so good it almost seems like magic on balances up to $15,000 each month you qualify.

Kasasa Tunes Checking – Earn up to $10 a month in iTunes®, Google Play, or Amazon® purchases each month you qualify.

Kasasa Saver Savings – Earn a great rate on savings that is ready whenever you need it.

“I love my Kasasa account! Thanks FCU and the Kasasa team!” – Chris
“Roses are red, violets are blue, Kasasa you reward me for all that I do” – Renee

What does it cost to open a Kasasa Cash Back account?
$15 is the minimum deposit to open

What do I have to do to qualify every month to get my 5% cash back?
Do 15 debit card transactions, have at least one ACH debit come out, and get e-statements.

How do I get my refund on ATM fees each month?
Each month you qualify you will be reimbursed up to $25 in nationwide surcharge fees.

Do I only earn the 5% cash back when I shop at certain merchants?
No, you can use your debit card for gas, at restaurants, for groceries, or whatever you need to buy.

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 5.00% cash back on up to a total of $200 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 $15,000 receive an APY of 3.00% and daily balances over $15,000 earn a dividend rate of .14% on the portion of the daily balance over $15,000 resulting in a range from 3.00% to .51% 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 1.75% 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 1.75% to .68% 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 October 1, 2022 APY calculations are based on an assumed balance of 3.00% + $15,000 in your Kasasa Cash account and 1.75% + $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.

Earn 5.00% cash back on the first $200 of debit card purchases per month when you qualify with no merchant restrictions.