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Free Kasasa Cash® Checking

Free Checking that Pays

Supercharge Your Balance

Earn really high rates, and refunds on ATM withdrawal fees, nationwide.* It’s your cash — Take it back.

Local banking supports our Community. Kasasa® rewards you for it!

We offer Kasasa accounts because they understand the importance of community banking. When you bank here, you’re putting money back into our local economy — not the bottomless pockets of Megabanks. Kasasa believes taking back that control deserves cash rewards.

Kasasa Cash includes:

  • Free checking that pays high dividends
    • 5.00% APY* on balances up to $15,000
    • 0.25% APY* on balances over $15,000
    • 0.05% APY* if qualifications aren’t met
  • Refunds on ATM withdrawal fees, nationwide*
    • (up to $25.00 per month)
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • $25 minimum deposit to open

How to Qualify

It’s easy! Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash checking account during each Monthly Qualification Cycle:

  • At least 10 debit card purchases
  • At least one direct deposit, ACH credit, or ACH payment transaction[s]
  • Receive eStatements

Note: First cycle automatically qualifies

That’s it! Even if you don’t meet your qualifications during the cycle, your Kasasa Cash checking account is still free, and you’ll still earn our base dividend rate. Plus, you can get right back to earning your full rewards the very next month.

Enroll Today

Become a member and ask for Kasasa Cash.

Open OnlineOr stop by any branch.

Kasasa Frequently Asked Questions

The Monthly Qualification Cycle goes from the last day of the month to the next to last day of the next month. Monthly Qualification Cycle dates are not the same as our Statement Cycle dates.

Cycle Begins Cycle Ends
December 31 January 30
January 31 February 27  (February 28 during leap year)
February 28 (February 29 during leap year) March 30
March 31 April 29
April 30 May 30
May 31 June 29
June 30 July 30
July 31 August 30
August 31 September 29
September 30 October 30
October 31 November 29
November 30 December 30

To qualify for your account’s rewards, all of your account’s qualifying transactions must post and settle to your Kasasa Cash or Kasasa Cash Back account within the Monthly Qualification Cycle dates stated above. 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.

  • Have at least 10 debit card purchases post and clear
  • Have at least one direct deposit or ACH automatic debit post and clear
  • Receive eStatements
  • A lower dividend rate is paid for Kasasa Cash
  • No cash back on debit card purchases for Kasasa Cash Back
  • ATM surcharge fees are not reimbursed
  • There is no penalty and the account is still free

Banking that's different

Our members think so…

I love it! I love earning such a high interest rate on my checking account and getting refunds on ATM fees, and supporting my local credit union.

— Julia

Disclosures

 

*Qualification Information: 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 Monthly Qualification Cycle goes from the last day of the month to the next to last day of the next month. See our website for specific Monthly Qualification Cycle dates.

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000 in your Kasasa Cash account earn a dividend rate of 4.88% resulting in an APY of 5.00% and daily balances over $15,000 earn a dividend rate of 0.25% on the portion of the daily balance over $15,000, resulting in a range from 0.87% to 5.00% APY depending on the account’s daily balance.

You will receive reimbursements up to an aggregate total of $25 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 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 4/1/2023.

Additional Information: Rates and rewards are variable and may change after account is opened. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. $25 minimum deposit is required to open the account. Limit one account per Social Security Number. There are no recurring monthly maintenance charges or fees to open or close this account. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.