Free checking that earns really high dividends — plus refunds on ATM withdrawal fees, nationwide.
- Really High Dividends
- Refunds on ATM Withdrawal Fees
- No Monthly Maintenance Fees
- No Minimum Balance to Earn Rewards
- Free checking that pays high dividends
- 2.05% APY* on balances up to $7,500
- 2.05% to 0.42% APY on balances over $7,500 depending on balance in account*
- 0.05% APY* if qualifications aren't met
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
- No minimum balance to earn rewards
- No monthly maintenance fees
- Free digital banking
- Free Mastercard® debit card
- Nationwide surcharge-free ATM access
- Shared branches in all 50 states
- No minimum amount required to open — $5 minimum balance required in Primary Savings Account of all members ($2/monthly fee if balance falls below $5)
It’s easy to earn your rewards
It's so easy that you're probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- At least 12 debit card transactions over $5.00
- Be enrolled in and agree to receive eStatements
- Be enrolled in online banking and log in at least once a month
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base dividend rate. And you can get right back to earning your full rewards the very next month.
*Limit of one (1) type of Kasasa account (Kasasa Cash, Kasasa Cash Back or Kasasa Tunes) per membership. Qualification Information: Account transactions and activities may take one or more Banking Days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases of $5.00 or less, debit card purchases processed by merchants and received by our credit union as ATM transactions, and purchases made with debit cards not issued by our credit union. ”Monthly Qualification Cycle” means a period beginning one (1) calendar day prior to the first day of the current statement cycle through one (1) calendar day prior to the close of the current statement cycle. Reward Information: Rewards vary by account. With a Kasasa Cash checking account you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle: Balances up to $7,500 receive 2.03% dividend rate and APY of 2.05%; and balances over $7,500 earn 0.30% dividend rate on the portion of balance over $7,500 resulting in a range from 2.05% to 0.42% APY depending on the account’s balance. Comparison Source for more than 34x more interest: Bank Interest Checking, FDIC 06/20/17: http://www.fdic.gov/regulations/resources/rates. ATM Fee Refunds: you will receive reimbursements up to $25.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. If you believe you have not been reimbursed the correct amount of ATM fees you must contact us within 30 calendar days after the Statement Cycle where the reimbursement was applicable in order to receive a refund. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.05% APY and ATM fees are not reimbursed. Rewards and ATM fee reimbursements will be credited to the appropriate Kasasa account on the last day of statement cycle. APY = Annual Percentage Yield. APYs accurate as of 06/20/2017. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Must open and maintain $5 in a primary savings for credit union membership. Monthly enrollment in online banking, receipt of electronic statements, and 12 debit card transactions more than $5.00 each month are conditions for receiving rewards on these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons are required to meet some of the account’s qualifications. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A.