Kasasa Cash

Get Paid. Bank Local.

Save whenever you spend.

Free Checking That Pays You High Dividends and Refunds on ATM Withdrawal Fees, Nationwide*

With free Kasasa Cash checking, we basically pay you to bank with us. Just do simple activities you probably already do, and you’ll earn up to 2.00% APY* every month.

You’ll also get refunds on ATM withdrawal fees, nationwide — so every ATM is your ATM, whether you’re in Lewiston, Auburn, or elsewhere. Link your account to a free Kasasa Saver® to make saving easy. Open your accounts online today!

Benefits

  • Free checking that pays high dividends
  • 2.00% APY* on balances up to $25,000
  • 2.00% to 0.64% APY on balances over $25,000 depending on balance in account*
  • 0.05% APY* if qualifications aren’t met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to free Kasasa Saver to build savings automatically
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking with bill pay
  • Free e-statements
  • Free mobile banking
  • Free Visa® debit card
  • Free telephone banking
  • No minimum deposit to open
  • It’s so easy to earn your rewards!

 

Qualifications

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 agree to receive e-statements
  • Be enrolled in and log into online banking
  • At least 1 ACH transaction (can be a deposit, withdrawal, or bill pay)
  • And if you don’t meet these qualifications, don’t worry — your account is still free.

Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Earn your ATM fees back, too

Don’t worry. Free Kasasa® checking refunds your ATM fees, nationwide.* No matter which reward you choose!

Rates

Kasasa Products - Checking & Savings

 RATEAPRMinimum Balance
Kasasa SAVER ($0-$50,000).99%1.00%None
Kasasa SAVER (over $50,000)0.29%0.53%-1.00%$50,000.01
Kasasa SAVER (Qualifications NOT met)0.049%0.05%None
Kasasa CASH ($0-$25,000)1.98%2.00%None
Kasasa CASH (over $25,000)0.29%0.64%-2.00%$25,000.01
Kasasa CASH (Qualifications NOT met)0.049%0.05%None
Kasasa CASH BACK0.00%0.00%None

Disclosures

*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, PIN-based or 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) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $25,000.00 receive APY of 2.00%; and balances over $25,000.00 earn 0.299% interest rate on the portion of balance over $25,000.01, resulting in a range from 2.00% to 0.64% APY depending on the account’s balance and (2) you will receive reimbursements up to an aggregate total of $25.00, max. $4.99 per single transaction for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM 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 Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM withdrawal fees are not refunded. Dividends and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 03/01/2017. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $0.00 minimum deposit is required to open the account. Monthly ACH credit, and enrollment in online banking are condition(s) of this account. Enrollment in electronic services (e.g. online banking, electronic statements may be required to meet some of the account’s qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. See accompanying Schedule of Fees for fees that may apply to this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.  Federally insured by NCUA. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.