Choose free checking that puts you first. Kasasa Cash® pays high dividends, plus refunds on ATM withdrawal fees.*
- High Dividends
- Refunds on ATM Withdrawal Fees*
- No Minimum Balance to Earn Rewards
- No Monthly Maintenance Fees
- Free checking that pays high dividends
- 3.25% APY* on balances up to $15,000
- 3.25 % to 0.74% APY on balances over $15,000 depending on balance in account*
- 0.05 % APY* if qualifications aren't met
- Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
- Link to free Kasasa Saver® to build savings automatically
- Add Kasasa Protect® for comprehensive fraud protection
- No minimum balance to earn rewards
- No monthly maintenance fees
- Free digital banking, including:
- Free online banking & bill pay
- Free mobile banking with mobile remote deposit capture
- Free e-statements
- Free SHAZAM®Chek debit card
- Free SHAZAM® Brella™ mobile app to manage your card
- No minimum deposit to open
It’s Easy to Earn Your Rewards
It's so easy to qualify, 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 1 direct deposit, ACH credit, or ACH payment transaction
- At least 12 signature-based debit card purchases
- Be enrolled in and agree to receive e-statements
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.
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 one direct deposit, ACH credit, or ACH payment transaction(s)
- At least twelve (12) signature-based debit card purchases
- Be enrolled in and have agreed to receive e-statements rather than paper statements
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, debit card purchases, 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) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. However, if a Monthly Qualification Cycle ends on a Saturday or Sunday, our institution will process account rewards on the Friday before.
"Business Day" means any business 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.
"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.
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including 15,000 earn an APY of 3.25% 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 range from 3.25% to 0.74% APY depending on the account's daily balance.
You will receive reimbursements up to an aggregate total of $20 ($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.
When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM withdrawal fees are not refunded.
APY = Annual Percentage Yield. APYs accurate as of 06/01/2019. 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 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.
Membership restrictions may apply.
Enrollment in electronic services (e.g. online banking) and log-ons may be required to meet some of the account's qualifications.
Qualifications, rates, rewards, fees, account specifics and restrictions may vary by account and by institution.
No minimum deposit is required to open the account.
Limit of one (1) account per social security number or individual taxpayer identification number.
There are no recurring monthly maintenance charges or fees to open or close this account.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
If you have a linked Kasasa Saver Account, any interest and refunds paid will automatically be transferred to the linked Saver Account the day after posting to the Kasasa Cash Account.
Contact one of our credit union member service representatives at 1-800-325-2126 for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Federally insured by NCUA
Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.