Stop paying for your checking account. Let it pay you instead.

A Kasasa Cash® checking account offers qualifying rewards at no cost. And if there’s a month when you don’t qualify for the rewards, don’t worry! The account is still free, and you’ll still earn a base dividend rate.

Kasasa Cash®

Account FEATURES
  • $0 monthly maintenance cost
  • $100 opening deposit
QUALIFYING REWARDS
  • 3.00% APY* on balances up to $15,000, paid monthly
  • Up to $25 Nationwide ATM fee refunds per cycle
  • Dividends from the first month for qualified accounts
HOW TO QUALIFY EACH MONTH
  • Make at least 12 debit card purchases per cycle; and
  • Enroll in direct deposit or perform an ACH transaction; and
  • Enroll in & agree to receive e-statements

Get Started


KASASA CASH CHECKING ACCOUNT: This account is a tiered rate account. If your average daily balance is $15,000.00 or below and your Kasasa Cash Checking account meets all the minimum service requirements during the qualification cycle, the annual percentage yield of 3.00% will apply for the dividend period. If your average daily balance is greater than $15,000.00 and your Kasasa Cash Checking account meets all of the minimum service requirements during the monthly qualification cycle, the annual percentage yield of 0.25% will apply for the dividend period. Each dividend yield will apply only to that portion of the account balance within each balance range. The minimum service requirements include: 1) making 12 debit card point-of-sale purchases that are posted to your account during the monthly qualification cycle; 2) having one direct deposit to OR electronic auto debit (ACH) debit from your Kasasa Cash Checking account during the qualification cycle; and 3) are receiving your monthly statements electronically (e-statements). If you meet all minimum service requirements by the next business day after the end of the qualification cycle then domestic ATM fees, up to a maximum of $25.00, will be refunded during the first week of the next qualification cycle. Dividends earned and ATM fees refunded on the Kasasa Cash Checking account will automatically be transferred to the Kasasa Saver Share account, if available during the first week of the next qualification cycle. If you do not meet all of the minimum service requirements during this timeframe, an annual percentage yield of 0.05% will apply to the entire balance in your Kasasa Cash Checking account. Transfers between accounts do not count as qualifying transactions. The maximum refund amount is $25.00 per monthly qualification cycle.

RATE INFORMATION: The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all earning accounts, the Dividend Rate and Annual Percentage Yield may change at any time as determined by the Credit Union’s Board of Directors. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.

NATURE OF DIVIDENDS: Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

DIVIDEND COMPOUNDING AND CREDITING: The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period. The Annual Percentage Yield (APY) disclosed on the Kasasa Cash account assumes that dividends earned in Kasasa Cash compound.

ACCRUAL OF DIVIDENDS ON NONCASH DEPOSITS: For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, you will not receive the accrued dividends.

BALANCE INFORMATION: To open any account, you must deposit or already have on deposit the minimum required share(s) in a membership share account. Some accounts may have additional minimum opening deposit requirements. The minimum Average Daily Balance requirements applicable to each account are set forth in the Rate Schedule. For accounts using the average daily balance method as stated in the Rate Schedule, dividends are calculated by applying a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

ACCOUNT LIMITATIONS: Limited to one each per primary account holder’s social security number.

MONTHLY QUALIFICATION CYCLE: The monthly qualification cycle begins at 12:01am on the last day of the month and ends at midnight of the second to the last day of the following month.

REMOVAL FROM KASASA PROGRAM: Accounts that do not meet the minimum service requirements during the monthly qualification cycle for a period of six (6) consecutive months will no longer qualify for a Kasasa account and the account(s) will be converted as follows: Kasasa Saver will convert to a Secondary Share account; Kasasa Cash Checking and Kasasa Cash Back Checking will convert to a Simply Checking Account, which is assessed a monthly service fee as outlined on the Fee Schedule. Upon removal from the Kasasa program, you will not be eligible for a Kasasa account in the future; however, an exception may be made at the
discretion of the branch manager.

RATES: All rates are accurate as of 7/1/2020. If you have any questions or require current rate information on your accounts, please call our Member Service Center at 1-800-922-0446.

“Kasasa Cash” is a trademark of Kasasa, registered in the U.S.A.