Save money — automatically. Link Kasasa® checking to this free account that pays a high rate.
- Automatic Savings
- High Dividends
- No Monthly Maintenance Fees
- No Minimum Balance Requirements
- Free account that builds your savings effortlessly
- Links to free Kasasa Cash® or Kasasa Cash Back® checking
- Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
- 0.75% APY* on balances up to $10,000
- 0.75% to 0.16% APY on balances over $10,000 depending on balance in account*
- 0.05% APY* if qualifications are not met in Kasasa Cash or Kasasa Cash Back
- No monthly maintenance fees
- No minimum balance to earn rewards
- Free digital banking, including:
- Online banking
- Mobile banking
- No minimum deposit to open
It's Easy to Earn Your Rewards
Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive e-statements
- Be enrolled in and log into online banking or mobile banking
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.
As a bonus to individuals who open and fund a new Kasasa Tunes account, our credit union will refund up to an aggregate total of $20 (which includes any applicable taxes) for any iTunes, Amazon.com or Google Play purchases made with your Kasasa Tunes debit card that post and settle to the account within the first 60 calendar days after your account is opened.
Any portion of this bonus that is not used within the stated time period will be forfeited.
No minimum balance is required to obtain this bonus. No minimum deposit is required to open the account.
Limit 1 account per social security number and one account opening bonus per account per calendar year.
If your Kasasa Cash, Kasasa Cash Back, Kasasa Saver or Kasasa Tunes account is closed within 6 months of account opening, we will deduct the account opening bonus at closing.
Account opening bonus will not be paid if accountholder switches into a Kasasa Cash, Kasasa Cash Back, Kasasa Saver or Kasasa Tunes account from another account that offered an account opening incentive to open the initial account.
Annual Percentage Yield (APY) varies by account, account balance and if qualifications are met. See Reward Information Section below for account APY 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, PIN-based, signature based 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) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle.
"Banking Day" means any business day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions.
"Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.
"Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account.
Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:
Kasasa Cash: daily balances up to and including $10,000 receive an APY of 3.0%; and daily balances over $10,000 earn a dividend rate of .25% on the portion of the daily balance over $10,000, resulting in a range from 3.0% to .50% APY depending on the account's daily balance.
Kasasa Cash Back: you will receive 3% cash back on up to a total of $300 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $9 cash back payments may be earned per Monthly Qualification Cycle.
Kasasa Tunes: you will receive up to an aggregate total of $10 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your Kasasa Tunes debit card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified ends.
You will receive reimbursements up to $20 for nationwide ATM withdrawal fees incurred within your Kasasa Cash, Kasasa Cash Back or Kasasa Tunes account during the Monthly Qualification Cycle in which you qualified.
Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, iTunes, Amazon.com or Google Play purchases are not reimbursed, nationwide ATM withdrawal fees are not reimbursed and:
Kasasa Cash: the entire daily balance in the Kasasa Cash account earns .05% APY. Dividends will be credited to your Kasasa Cash and Kasasa Saver accounts on the first processing day of the following statement cycle.
The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the first processing day of the following statement cycle.
If Kasasa Cash or Kasasa Cash Back are linked to Kasasa Saver, the following also apply:
Kasasa Cash: When linked to a Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account balance is less than the transferred amount when the transfer occurs.
Kasasa Cash Back: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the first processing day of the following statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of April 25, 2023.
APY calculations are based on an assumed balance of $10,000 + $100,000 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.
Membership restrictions may apply.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
No minimum deposit is required to open the account.
Monthly enrollment in online banking and eStatements are conditions of Kasasa Saver's linked Kasasa Cash, Kasasa Cash Back or Kasasa Tunes accounts.
Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of Kasasa Saver's linked Kasasa Cash, Kasasa Cash Back or Kasasa Tunes account's qualifications.
Limit of 1 account(s) per social security number.
There are no recurring monthly maintenance charges or fees to open or close this account.
This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.
A Kasasa Cash, Kasasa Cash Back or Kasasa Tunes account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings.
High rate claim is based on FDIC's National Weekly Rates for interest checking accounts. Claim is independent of any one institution's offerings. Comparison Source: Interest Checking, FDIC 02/15/19.
Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Federally insured by NCUA Your Savings Insured To $250,000 Per Account.
iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program.
Experian is a registered trademark of Experian Information Solutions, Inc.
Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Saver, Kasasa Tunes and Kasasa Protect are trademarks of Kasasa, Ltd., registered in the U.S.A.