Free Kasasa Cash® Checking

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.


Free (share draft) checking that pays a really high rate

2.00% APY* on balances up to $10,000

2.00% to 0.32% APY* on balances over $10,000 depending on daily balance in account*

0.05% APY* if qualifications aren’t met

Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*

Can link to free Kasasa Saver® to build savings automatically

Both earn dividend rewards and ATM refunds will be swept to a Kasasa Saver® account

No minimum balance requirements to earn rewards

No monthly maintenance fees

Unlimited monthly transactions

Free Online Banking and Mobile Banking including:

$5 minimum deposit to open

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.

At least 12 debit card purchases

Be enrolled in and log into online banking once per monthly qualification cycle

Be enrolled in and agree to receive eStatements

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 2023 12/30/2022 01/30/2023 01/31/2023
February 2023 01/31/2023 02/27/2023 02/28/2023
March 2023 02/28/2023 03/30/2023 03/31/2023
April 2023 03/31/2023 04/27/2023 04/28/2023
May 2023 04/28/2023 05/30/2023 05/31/2023
June 2023 05/31/2023 06/29/2023 06/30/2023
July 2023 06/30/2023 07/28/2023 07/31/2023
August 2023 07/29/2023 08/30/2023 08/31/2023
September 2023 08/31/2023 09/28/2023 09/29/2023
October 2023 09/29/2023 10/31/2023 10/31/2023
November 2023 11/01/2023 11/30/2023 11/30/2023
December 2023 12/01/2023 12/31/2023 12/31/2023

*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.

APYs accurate as of 04/15/2020.

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.


Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.