It's easy to earn high dividends — just meet the simple qualifiers. And even if you don't, there’s never a monthly fee or minimum balance requirement.
- Really High Dividends
- Refunds on ATM Withdrawal Fees*
- No Monthly Maintenance Fees
- Free checking that pays really high dividends
- 3.25% APY* on balances up to $10,000
- 3.25% to 0.43% APY on balances over $10,000 depending on balance in account*
- Same rate as our Basic Savings if qualifications aren't met
- Refunds on ATM withdrawal fees, nationwide (up to $25 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 and bill pay
- Free mobile banking with mobile deposit
- Free eStatements (required for keeping account)
- Free Visa® debit card
- No minimum deposit to open
- Federally insured by the NCUA up to $250,000
It's Easy To Earn Your 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 1 direct deposit or ACH credit
- At least 14 debit card purchases
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 next month!
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, 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.
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $10,000 in your Kasasa Cash account earn a dividend rate of 3.203% resulting in an APY of 3.25%; and average daily balances over $10,000 earn a dividend rate of 0.1499% on the portion of the average daily balance over $10,000, resulting in a range from 3.25% to 0.43% APY depending on the account's average daily balance.
You will receive reimbursements up to $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during the Monthly Qualification Cycle in which you qualified.
When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire average daily balance will be the same as our Basic Savings 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 first processing day of the following statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of April 1, 2021.
APY calculations are based on an assumed balance of $10,000 + $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.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
No minimum deposit is required to open the account.
Monthly electronic statements are a condition of this 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 one Kasasa Checking account per Social Security number.
There are no recurring monthly maintenance charges or fees to open or close 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
Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.