Free Kasasa Cash Back® checking pays cash back on your debit card purchases.
Earn serious cash back refunds on debit card purchases, plus refunds on ATM withdrawal fees every month!* Enjoy no minimum balance requirements or monthly maintenance fees with this rewarding free account.
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back® account during each Monthly Qualification Cycle.
And if you don’t meet these qualifications, don’t worry — your account is still free! Even more, you can get right back to earning your full rewards the very next cycle that you qualify.
Contact us or visit for more information and to open your free Kasasa Cash Back® account.
The following dates apply to your Kasasa Cash account. Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. To qualify for your account’s rewards, all of the transactions and activities identified within the above Qualification Information section must post and settle to your Kasasa Cash account with these Monthly Qualification Cycle dates.
| Month | Start Date | End Date | Statement Date |
|---|---|---|---|
| January 2020 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |
| February 2020 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |
| March 2020 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |
| April 2020 | 03/31/2020 | 04/29/2020 | 04/30/2020 |
| May 2020 | 04/30/2020 | 05/28/2020 | 05/29/2020 |
| June 2020 | 05/29/2020 | 06/29/2020 | 06/30/2020 |
| July 2020 | 06/30/2020 | 07/30/2020 | 07/31/2020 |
| August 2020 | 07/31/2020 | 08/28/2020 | 08/31/2020 |
| September 2020 | 08/29/2020 | 09/29/2020 | 09/30/2020 |
| October 2020 | 09/30/2020 | 10/29/2020 | 10/30/2020 |
| November 2020 | 10/30/2020 | 11/27/2020 | 11/30/2020 |
| December 2020 | 11/28/2020 | 12/30/2020 | 12/31/2020 |
| January 2021 | 12/31/2020 | 1/28/2021 | 1/29/2021 |
| February 2021 | 1/29/2021 | 2/25/2021 | 2/26/2021 |
| March 2021 | 2/26/2021 | 3/30/2021 | 3/31/2021 |
| April 2021 | 3/31/2021 | 4/29/2021 | 4/30/2021 |
| May 2021 | 4/30/2021 | 5/27/2021 | 5/28/2021 |
| June 2021 | 5/28/2021 | 6/29/2021 | 6/30/2021 |
| July 2021 | 6/30/2021 | 7/29/2021 | 7/30/2021 |
| August 2021 | 7/30/2021 | 8/30/2021 | 8/31/2021 |
| September 2021 | 8/31/2021 | 9/29/2021 | 9/30/2021 |
| October 2021 | 9/30/2021 | 10/28/2021 | 10/29/2021 |
| November 2021 | 10/29/2021 | 11/29/2021 | 11/30/2021 |
| December 2021 | 11/30/2021 | 12/30/2021 | 12/31/2021 |
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 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) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.
Reward Information
When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 3.00% cash back on up to a total of $300.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back payments may be earned per Monthly Qualification Cycle.
You will receive reimbursements up to $4.99 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle (aggregate total of $25.00 per 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 Back account qualifications are not met, no cash back payments are made, and ATM withdrawal fees are not refunded.
Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle.
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.
Additional Information
Membership restrictions may apply.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
$5.00 minimum deposit is required to open the account. There is no minimum balance required to earn or receive the account’s rewards.
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 12 debit card purchases, be enrolled in and log into online banking at least one time per month, and be enrolled in and have agreed to receive eStatements rather than paper statements.
Limit of one account per social security number.
There are no recurring monthly maintenance charges or fees to open or close this account.
Advertised information and rewards are based on all account qualifications being met during each monthly qualification cycle.
Contact one of our Credit Union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Federally insured by NCUA.
Trademarks
Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
I sincerely appreciate the personalized experience we receive from all of the staff at SFCU, whether it be the person greeting you at the front door, the tellers, the staff that helps with notarizations, mortgages or wire transfers. I have dealt with all of these areas at the Credit Union and have always been assisted in a timely, friendly and helpful manner. It is by far the best bank/credit union I do and have ever done business with.
SFCU Member
This was the first time I had purchased a vehicle without going through a dealer for financing. When I went to the Credit Union I was seen immediately by the Loan Department. The Loan Officer was very knowledgeable. I was given a list of documents to gather and was promptly taken care of when I returned with them. My wife will be contacting your office about refinancing her student loans.
SFCU Member
I was overall pleased with my experience. Jessica, our Money Management Officer, was easy going and very professional. She understood my circumstance, had compassion and a genuine, caring, pleasant persona for my situation.
SFCU Member
Our Money Management Officer, Kassandra, was great to work with. I do not think she could do better.
SFCU Member
