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Enjoy free checking that pays!

Here are the account highlights:

  • 5.50% APY* on balances up to and including $30,0001
  • 0.49886% APY* on balances over $30,000
  • 0.05% APY* on all balances if qualifications aren't met  

Plus, all the perks that come with all our Kasasa Checking Accounts!

  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)2
  • Link to free Kasasa Saver® to build savings automatically3 
  • No minimum balance to earn rewards, no monthly maintenance fee and no minimum deposit to open  
Qualifications to Earn Rewards  

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 15 debit card purchases 
  • At least one direct deposit or ACH payment transaction
  • Be enrolled in and agree to receive eStatements 

And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.


*Annual Percentage Yield (APY) is accurate as of March 14, 2024. APY calculations are based on an assumed balance of 5.50% + $100,000 in your Kasasa Cash account and 2.00% + $100,000 in your Kasasa Saver 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.

Qualification Information: To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your linked Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH credit, or ACH payment transaction(s)
  • At least 15 PIN-based or signature-based debit card purchases
  • 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

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, debit card purchases processed by merchants and received by our credit union as ATM transactions, [PIN-based, signature based] 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 the current statement cycle. Contact a member service representative for specific Monthly Qualification Cycle dates. "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. See our website or contact a member service for specific Statement Cycle dates. Reward Information: Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle: 1Kasasa Cash: average daily balances up to and including $30,000 receive an APY of 5.50%; and average daily balances over $30,000.00 earn a dividend rate of 0.49886% on the portion of the average daily balance over $30,000.00, resulting in a range from 1.65% to 5.50% APY depending on the account's average daily balance.2You will receive reimbursements up to an aggregate total of $25.00 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 Eats transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and: Kasasa Cash: the entire average daily balance in the Kasasa Cash account earns 0.05% APY. Dividends will be credited to your Kasasa Cash accounts on the first processing/business day of the following statement cycle. If Kasasa Cash are linked to Kasasa Saver, the following also apply: 3Kasasa Saver: 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 and other requirements apply. Qualifications, rates, rewards, fees, account specifics and restrictions may vary by account. No minimum deposit is required to open the Kasasa Cash, Kasasa Cash Back, Kasasa Eats, or Kasasa Saver accounts. Monthly Direct Deposit/ACH credit, debit card transactions and enrollment in e-statements are conditions of Kasasa Saver's linked Kasasa Cash, Kasasa Cash Back, or Kasasa Eats accounts. Limit of 1 checking account per member. 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. A Kasasa Cash, Kasasa Cash Back, or Kasasa Eats account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact a member service representative for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally Insured by NCUA. Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Eats and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

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