What would you do with extra money in your checking? It's time to start making plans with free Kasasa Cash®. Earn really high dividends when you use the freebies that come with your account — like online banking — and never pay a monthly maintenance fee. You'll even earn refunds on ATM withdrawal fees, so you can access your cash anywhere you go.
- Free checking that pays high dividends
- 2.25% APY* on balances up to $5,000
- 2.25% to 0.35% APY on balances over $5,000 depending on balance in account*
- 0.05% APY* if qualifications aren't met
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
- Link to free Kasasa Saver® to build savings automatically
- No minimum balance to earn rewards
- No monthly maintenance fees
- Free online banking & bill pay
- Free Sprig mobile banking
- Free eStatements
- Free Visa® debit card
- Nationwide surcharge-free ATM usage
- No minimum deposit to open
Earn Your Rewards in 1, 2, 3.
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 agree to receive eStatements
- Be enrolled in and log into online banking
You've got this. 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. Then you can get right back to earning your full rewards the very 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 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 last day of the current statement cycle.
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) daily balances up to and including $5,000 in your Kasasa Cash account earn a dividend rate of 2.23% resulting in an APY of 2.25%; and daily balances over $5,000 earn a dividend rate of 0.25% on the portion of the daily balance over $5,000, resulting in a range from 2.25% to 0.35% APY depending on the account's daily balance and (2) you will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. 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, 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 and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of March 31, 2019.
APY calculations are based on an assumed balance of $5,000 + $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.
Enrollment in electronic services (e.g. online banking, e-statements) and log-ons are required to meet the account's qualifications.
Limit of one 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.