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Free Kasasa Cash® Checking

Earn really high dividends on your checking balance. Plus, get refunds on ATM withdrawal fees, nationwide!*

Refunds on ATM Withdrawal Fees

High Dividend Earnings

No Monthly Maintenance Fees

Link to Kasasa Saver®
Build Savings Automatically


  • Free checking that pays high dividends
    • 2.50%APY* on balances up to $15,000
    • .25%APY earned on any balance amount over $15,000*
    • Blended rate of 2.50%APY - 0.54%APY on entire account balance
    • .05%APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
    • Per transaction limits: $4.99 per transaction; $5 calculated fee divisor
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free online banking with bill pay
    • Free E-Statements
    • Free mobile banking
  • Free Mastercard® debit card
  • $5 minimum deposit to open

Qualifying for Kasasa Cash Rewards is Easy.

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 purchases
  • Be enrolled in and log into online banking
  • At least 1 direct deposit, ACH payment, or bill pay transaction

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

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 Back account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH credit, or ACH payment transaction(s)
  • At least a combined total of 12 debit card purchases or credit card purchases
  • Be enrolled in and log into online banking

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. "Monthly Qualification Cycle" means the current rewards cycle which ranges from the last day of one month until the second to last day of the following month.

*Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $15,000 in your Kasasa Cash account earn a dividend rate of 2.472% resulting in an APY of 2.50%; and average daily balances over $15,000 earn a dividend rate of 0.250% on the portion of the average daily balance over $15,000 resulting in a range from 2.50% to 0.54% APY depending on the account's average daily balance. You 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. When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire average daily balance will be 0.05% resulting in a non-compounding 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 08/01/2019. 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.

Additional Information: Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Data carrier rates may apply. Limit of one account per Social Security Number. There are no recurring monthly maintenance charges or fees to open this account. Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. Your Savings Insured To $250,000 Per Account.

Trademarks: Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

Cycle Date Information:

The following dates apply to our Kasasa account(s). Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. Please refer to your account's Truth In Savings disclosure for your account's specific qualification requirements. To qualify for your account's rewards, all of your account's qualifying transactions must post and settle to your specific Kasasa account within the Monthly Qualification Cycle dates stated below. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning your account's rewards. 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 your account's rewards.

Monthly Qualification Cycle Statement Cycle
Month Year Begin End Begin End
January 2019 12/30/2019 1/30/2019 01/01/2019 01/31/2019
February 2019 01/31/2019 02/27/2019 02/01/2019 02/28/2019
March 2019 02/28/2019 03/30/2019 03/01/2019 03/31/2019
April 2019 03/31/2019 04/29/2019 04/01/2019 04/30/2019
May 2019 04/30/2019 05/30/2019 05/01/2019 05/31/2019
June 2019 05/31/2019 06/27/2019 06/01/2019 06/28/2019
July 2019 06/28/2019 07/30/2019 06/29/2019 07/31/2019
August 2019 07/31/2019 08/29/2019 08/01/2019 08/30/2019
September 2019 08/30/2019 09/27/2019 08/31/2019 09/30/2019
October 2019 09/28/2019 10/30/2019 10/01/2019 10/31/2019
November 2019 10/31/2019 11/28/2019 11/01/2019 11/29/2019
December 2019 11/29/2019 12/30/2020 11/30/2019 12/31/2020
January 2020 12/31/2020 1/30/2020 01/01/2020 01/31/2020
February 2020 01/31/2020 02/28/2020 02/01/2020 02/29/2020
March 2020 02/29/2020 03/30/2020 03/01/2020 03/31/2020
April 2020 03/31/2020 04/29/2020 04/01/2020 04/30/2020
May 2020 04/30/2020 05/29/2020 05/01/2020 05/31/2020
June 2020 05/30/2020 06/29/2020 06/01/2020 06/30/2020
July 2020 06/30/2020 07/30/2020 07/01/2020 07/31/2020
August 2020 07/31/2020 08/29/2020 08/01/2020 08/31/2020
September 2020 08/30/2020 09/29/2020 09/01/2020 09/30/2020
October 2020 09/30/2020 10/30/2020 10/01/2020 10/31/2020
November 2020 10/31/2020 11/28/2020 11/01/2020 11/30/2020
December 2020 11/29/2020 12/30/2021 12/01/2020 12/31/2021

Future Monthly Qualification Cycle and Statement Cycle dates for our Kasasa accounts will be available to you via our website or through one of our Service Representatives within one of our branches.

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