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Kasasa Cash Back Checking

Kasasa Cash Back Checking is a free checking that earns 2% cash back on the first $500 a month in debit card purchases.

Free Kasasa Cash Back checking let's you earn up to 2% 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:

  • 2% cash back on debit card purchases (on first $500 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 $7,500 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, Caro, MI
“Roses are red, violets are blue, Kasasa you reward me for all that I do” – Renee, Burt, MI

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 2% 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 2% 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.

*APY=Annual Percentage Yield. APYs accurate as of 09/01/2018. Rates may change after account is opened. When monthly qualifications are met, you will receive 2% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $10 per monthly qualification cycle. Domestic ATM fees incurred using Kasasa Cash Back debit card during qualification cycle will be reimbursed up to $25 if qualifications are met within monthly qualification cycle. Qualifying transactions must post to and settle account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions and transfers between accounts do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Kasasa Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. If qualifications in Kasasa Cash Back are met each monthly qualification cycle: (1) balances up to $50,000 in Kasasa Saver receive an APY of 1.00%; and (2) balances over $50,000 in Kasasa Saver earn 0.14% dividends rate on the portion of the balance over $50,000, resulting in 1.00% – 0.43% APY depending on the balance. If qualifications are not met on Kasasa Cash Back, all balances in the Kasasa Saver earn 0.01% APY. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Limit one account per SSN.

Earn 2% cash back on the first $500 of debit card purchases per month when you qualify with no merchant restrictions.