Get the checking account that gets you
Sure, a checking account can help you manage your day-to-day basics... or deliver POWERFUL REWARDS that make life more extraordinary! At UCU, we see you with a rewarding Kasasa Checking account that goes above and beyond to help you do more daily.
Choose the Kasasa checking account that fits you best:
Kasasa Cash® Checking
Earn up to 5.50% APY* on balances up to $15,000 when you qualify, and we'll refund your ATM fees nationwide.*
Kasasa Cash Back® Checking
Earn 2.50% in cash back on debit card purchases, up to $10 monthly** and get your ATM fees refunded.**
No matter which Kasasa Checking account you choose, you’ll enjoy the following:
● No monthly service fees
● Free Visa® debit card
● Free digital banking¹
● No minimum balance to earn rewards
Plus, you can link your Kasasa Checking account to a high-dividends Kasasa Saver® savings account for even more rewards!
Join us now to start enjoying checking as it was meant to be – with a UCU Kasasa Checking account and the benefits of credit union membership at UCU!
¹Message and data rates may apply.
*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 institution as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our institution. 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. Visit our website or speak to one of our branch service representatives for specific Monthly Qualification Cycle dates.
Reward Information: When Kasasa Cash - Multi Level account qualifications are met during a Monthly Qualification Cycle, you will receive:
- Kasasa Cash – High Rewards: average daily balances up to and including $15,000 in your Kasasa Saver account earn a dividend rate of 3.938% resulting in a non-compounding APY* of 4.01%; and average daily balances over $15,000 earn a dividend rate of 0.2497% on the portion of the average daily balance over $15,000, resulting in a non-compounding range from 4.01% to 0.74% APY* depending on the account's average daily balance.
or
- Kasasa Cash – REALLY High Rewards: average daily balances up to and including $15,000 in your Kasasa Saver account earn a dividend rate of 5.366% resulting in a non-compounding APY* of 5.50%; and average daily balances over $15,000 earn a dividend rate of 0.2497% on the portion of the average daily balance over $15,000, resulting in a non-compounding range from 5.50% to 0.93% APY* depending on the account's average daily balance.
and
- Kasasa Saver Rewards: average daily balances up to and including $100,000 in your Kasasa Saver account earn a dividend rate of 1.981% resulting in an APY of 2.00%; and average daily balances over $100,000 earn a dividend rate of 0.2497% on the portion of the average daily balance over $100,000, resulting in a range from 2.00% to 1.13% APY depending on the account's average daily balance.
You will also receive reimbursements up to the aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash - Multi-Level account during that 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. NOTE: ATM fee reimbursements only apply to Kasasa Cash – Multi Level account transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.
When your Kasasa Cash – Multi Level account qualifications are not met during a Monthly Qualification Cycle, ATM withdrawal fees are not refunded and:
- Kasasa Cash – Multi Level: the entire average daily balance in your Kasasa Cash - Multi Level account earns a dividend rate of 0.05% resulting in a non-compounding annual percentage yield of 05% APY.
- Kasasa Saver: the entire average daily balance in your Kasasa Cash – Multi Level account earns a dividend rate of 0.05% resulting in an annual percentage yield of 05% APY.
Dividends in Kasasa Cash – Multi Level do not compound because they are automatically transferred to the Kasasa Saver account within one day. Note: Automatic transfer may cause an overdraft to your Kasasa Cash account, if the account's balance is less than the transferred amount when transfer occurs.
Dividends and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash – Multi Level account on the first business day of the following statement cycle. Dividends will be credited to your Kasasa Saver account on the first business day of the following statement cycle.
*APY = Annual Percentage Yield. APY accurate as of August 1, 2023. APY calculations are based on an assumed balance of $115,000 in your Kasasa Cash – Multi Level account and an assumed balance of $200,000 in your Kasasa Saver 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; rates may change 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. You will automatically qualify for the account's rewards during your account's first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.
Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the Kasasa Cash – Multi – Level account. No minimum deposit is required to open the Kasasa Saver account. See UCU’s fee schedule for fees that may apply to this account. 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. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Kasasa Cash - Multi Level account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Contact one of our member service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally Insured by NCUA. Kasasa, Kasasa Cash – Multi Level and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
**Kasasa Cash Back®
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 and purchases made with a debit card not issued by our credit union and associated with this account. “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 Kasasa Cash® Back qualifications are met during a Monthly qualification Cycle, you will receive (1) 2.5% cash back on up to a total of $400.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to $25 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within thirty (30) days after the statement cycle when the reimbursement was applicable for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Cash Back® qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back® account on the first business day of the following earnings period. Rates and rewards are variable and may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly access of inline banking and receipt of electronic statements and log-ons may be required to meet some of the account’s qualifications. Limit one Kasasa® checking account per prime member and per primary account. There are no recurring monthly service charges or fees to open or close this account. Contact a UCU representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa, Kasasa Cash Back are trademarks of BancVue, Ltd., registered in the U.S.A.