Arlene Fortin has always been an absolute pleasure to work with.
SFCU Member
Enjoy extra spending money — on us!
Get free checking that rewards you with high dividends and refunds on ATM withdrawal fees, nationwide* — just for doing easy banking basics.
Enjoy earning a really high rate on your balance — plus refunds on ATM withdrawal fees* — every month! You’ll have no minimum balance requirements or monthly maintenance fees with this free account.
Details:
How to Qualify:
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.
And if you don’t meet these qualifications, don’t worry — your account is still free and you can still earn the base rate. Plus, 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® account.
Monthly Qualification Cycles
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 2026 | 01/01/2026 | 01/31/2026 | 01/31/2026 |
| February 2026 | 02/01/2026 | 02/28/2026 | 02/28/2026 |
| March 2026 | 03/01/2026 | 03/31/2026 | 03/31/2026 |
| April 2026 | 04/01/2026 | 04/30/2026 | 04/30/2026 |
| May 2026 | 05/01/2026 | 05/31/2026 | 05/31/2026 |
| June 2026 | 06/01/2026 | 06/30/2026 | 06/30/2026 |
| July 2026 | 07/01/2026 | 07/31/2026 | 07/31/2026 |
| August 2026 | 08/01/2026 | 08/31/2026 | 08/31/2026 |
| September 2026 | 09/01/2026 | 09/30/2026 | 09/30/2026 |
| October 2026 | 10/01/2026 | 10/31/2026 | 10/31/2026 |
| November 2026 | 11/01/2026 | 11/30/2026 | 11/30/2026 |
| December 2026 | 12/01/2026 | 12/31/2026 | 12/31/2026 |
*Disclaimers for Kasasa Cash®
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” is defined as the period beginning on the first day of the statement cycle and ending on the last day of the statement cycle.
Reward Information
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $10,000.00 in your Kasasa Cash account earn a dividend rate of 1.98% resulting in an APY of 2.00%; and daily balances over $10,000.00 earn a dividend rate of .15% on the portion of the daily balance over $10,000.00, resulting in a range from 2.00% to 0.32% APY depending on the account’s daily balance.
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 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 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 last day of the current statement cycle.
APY = Annual Percentage Yield.
APY calculations are based on an assumed balance of $10,000.00 + $100,000.00 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.
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 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 are trademarks of Kasasa, Ltd., registered in the U.S.A.
In my 30+ years in Somerset, I have never seen a financial institution with such great service. Keep up the great work, you have a great deal to be proud of.
SFCU Member
Our Loan Officer, Arlene, was so nice to work with. Her knowledge of the loan process and her ability to listen for what we wanted in a mortgage made the transition go smoothly. A very nice experience.
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