Kasasa Cash Checking

What is better than free checking? How about free Kasasa Cash checking that also pays a really high rate each month you qualify? No minimum balance to earn our highest rate – that’s a 5.05% APY*. Plus we will refund your ATM fees nationwide.

Free Kasasa Cash Checking includes:
  • 5.05% APY* on balances up to $15,000
  • 5.05% to 0.78% APY* on balances over $15,000 depending on balance in account*
  • 0.01% APY* even if qualifications aren't met
  • Refunds on ATM fees, nationwide (up to $25 monthly)*
  • Can link a free Kasasa Saver® account for even more cash
  • No minimum balance to earn rewards
  • No monthly service fees
  • Free online banking & bill pay
  • Free e-statements
  • Free debit card
  • Unlimited check writing
  • $15 minimum deposit to open
  • Add a free Kasasa Saver savings account to earn high rates of return on the first $50,000

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

Kasasa
It’s easy to earn Kasasa Cash rewards!

By doing what you have always done with your debit card you can easily qualify for rewards. To earn your full rewards, do the following transactions and activities within your Kasasa Cash account during each monthly qualification cycle. If you miss your qualifications for the month, your account is always free. You are always able to earn the base interest rate; and you can get back to earning your complete rewards the very next month.

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

  • 5.05% APY* on balances up to $15,000
  • 5.05% to 0.78% APY on balances over $15,000 depending on balance in account*
  • 0.01% APY* even if qualifications aren’t met

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: September 28, 2023

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 and are a condition(s) of Kasasa Saver’s linked to Kasasa Cash. 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:

Kasasa Cash: daily balances up to and including $15,000 receive an APY of 5.05% 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 5.05% to .78% APY depending on the accounts daily balance.

Kasasa Saver: daily balances up to and including $50,000 in your Kasasa Saver account earn an APY of 3.00% 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 3.00% to 1.09% APY depending on the accounts daily balance.

You will receive reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash 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 transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. When your qualifications are not met 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 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.

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 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 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.

Trademarks:

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