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HIGHEST CHECKING REWARDS RATE IN NEW MEXICO!

Free checking that earns 5.05% APY* on balances up to $15,000! Plus refunds on ATM withdrawal fees, nationwide.

Key Features

  • Really High Dividends
  • Refunds on ATM Withdrawal Fees
  • No Monthly Maintenance Fees
  • No Minimum Balance to Earn Rewards
  • Free checking that pays high dividends
  • 5.05% APY* on balances up to $15,000
  • 5.05% to 0.92% APY on balances over $15,000 depending on daily 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.

Qualification Information: To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle: At least 12 PIN-based or signature-based debit card purchases, each $5.01 or more.  Be enrolled in and have agreed to receive e-statements rather than paper statements. Be enrolled in and log into online banking. Maintain a valid email address on record with our credit union. For clarity, in order to count as a qualifying transaction for the purpose of earning the account's rewards PIN-based and signature-based debit card purchases must be at least $5.01. 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 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, PIN-based, signature based debit card purchases less than $5.01, 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. See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates. "Banking Day" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing. "Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, June 19, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. "Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Contact one of our branch service representatives for specific Statement Cycle dates.

*Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, 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 0.30% on the portion of the daily balance over $15,000 resulting in a Split rate that ranges from 5.05% to 0.92% APY, depending on the account’s total daily balance. You will receive reimbursements up to an aggregate total of $25.00 ($4.99 per single transaction) for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes transactions via ATM. When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Dividends will be credited to your Kasasa Cash account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 9/01/2023. APY calculations are based on an assumed balance of $15,000 + $100,000 in your Kasasa Cash 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. Qualifications, rates, rewards, fees, account specifics and restrictions may vary by account. $5.00 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 1 Kasasa account(s) per membership account. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your 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.

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 and Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A.

 

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