Kasasa® Features Compared
Kasasa Cash Back® Checking
- Earn 2.5% Cash Back on debit card purchases (up to $10 monthly)*
- ATM fee refunds nationwide (up to $25 monthly)*
- No monthly service fees
- Free Visa® debit card
- Free online and mobile banking
- Free e-statements
- No minimum balance to earn rewards
Kasasa Cash® Checking
- 4.01% APY* on balances up to $10,000 and can link to high-dividends Kasasa Saver®
- ATM fee refunds nationwide (up to $25 monthly)*
- No monthly service fees
- Free Visa® debit card
- Free online and mobile banking
- Free e-statements
- No minimum balance to earn rewards
2023 Qualification Cycle |
||
---|---|---|
January: Dec. 31 - Jan. 30 | February: Jan. 31 - Feb. 27 | March: Feb. 28 - Mar. 30 |
April: Mar. 31 - Apr. 29 | May: Apr. 30 - May 30 | June: May 31 - Jun. 29 |
July: Jun. 30 - Jul. 30 | August: Jul. 31 - Aug. 30 | September: Aug. 31 - Sep. 29 |
October: Sep. 30 - Oct. 30 | November: Oct. 31 - Nov. 29 | December: Nov. 30 - Dec. 29 |
Kasasa CASH BACK® checking!
What if you could earn 2.50%* cash back on purchases when you use your debit card? Now you can! No rotating categories – just earn 2.50%* on every purchase up to $10* per monthly qualification cycle and get your ATM fees refunded!* On top of that, there’s no monthly service fees and no minimum balance to earn your reward
- Earn 2.5% Cash Back on debit card purchases (up to $10 monthly)*
- ATM fee refunds nationwide (up to $25 monthly)*
- No minimum balance to earn rewards
- No monthly service fees
- Free digital banking
- Free e-statements
- Free Visa® debit card
Earning your rewards
To earn your rewards, simply meet the following criteria in your Kasasa Cash Back® account each monthly qualification cycle:
- Have at least 12 debit card purchases post and settle
- Be enrolled and receive e-statements
- Be enrolled and access digital banking
That’s all! If you don’t qualify one month – no worries, there are no penalties, your account is still free and you can get right back to earning cash back the very next qualification cycle!
2023 Qualification Cycle |
||
---|---|---|
January: Dec. 31 - Jan. 30 | February: Jan. 31 - Feb. 27 | March: Feb. 28 - Mar. 30 |
April: Mar. 31 - Apr. 29 | May: Apr. 30 - May 30 | June: May 31 - Jun. 29 |
July: Jun. 30 - Jul. 30 | August: Jul. 31 - Aug. 30 | September: Aug. 31 - Sep. 29 |
October: Sep. 30 - Oct. 30 | November: Oct. 31 - Nov. 29 | December: Nov. 30 - Dec. 29 |
Get monthly cash rewards with free Kasasa Cash® checking
Does earning a little extra cash each month sound appealing? Choose free checking that pays really high dividends. Kasasa Cash® lets you earn up to 4.01% APY* on balances up to $10,000. Plus, we’ll refund your ATM fees nationwide.* So no more running around looking for ‘your’ ATM – use any of them!
- 4.01% APY* on balances up to $10,000
- Balances over $10,000, earn 0.25% APY* on the portion of balance over $10,000
- 0.05% APY* on all balances if qualifications aren't met
- ATM fee refunds nationwide (up to $25 monthly)*
- Can link to high-dividends Kasasa Saver® account
- No minimum balance to earn rewards
- No monthly service fee
- Free digital banking
- Free e-statements
- Free Visa® debit card
- Unlimited check writing
- No minimum deposit to open
- Earning rewards is easy! Simply do the following activities with your Kasasa Cash® account during each monthly qualification cycle:
- Have at least 12 debit card purchases post and settle
- Be enrolled and receive e-statements
- Be enrolled and access digital banking
- Have at least 1 automatic payment (ACH) post and settle, such as: payroll direct deposit, bill pay, etc.
No need to worry if you don’t qualify one month. Your account will still earn 0.05% APY* - and it’s still free. Plus, you can get right back to earning rewards the very next qualification cycle!
Link your Kasasa Cash® checking account to Kasasa Saver®, and your rewards become automatic savings!
2023 Qualification Cycle |
||
---|---|---|
January: Dec. 31 - Jan. 30 | February: Jan. 31 - Feb. 27 | March: Feb. 28 - Mar. 30 |
April: Mar. 31 - Apr. 29 | May: Apr. 30 - May 30 | June: May 31 - Jun. 29 |
July: Jun. 30 - Jul. 30 | August: Jul. 31 - Aug. 30 | September: Aug. 31 - Sep. 29 |
October: Sep. 30 - Oct. 30 | November: Oct. 31 - Nov. 29 | December: Nov. 30 - Dec. 29 |
*Qualifications 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 University Credit Union as ATM transactions and purchases made with non-University Credit Union issued debit cards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) 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, the following rewards will be distributed to your account(s):
- Kasasa Cash®: (1) Balances up to $10,000 receive APY* of 4.01%; and balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000, resulting in a range from 4.01% to 0.59% APY depending on the account’s balance and
- Kasasa Saver®: (2) Balances up to $15,000 receive APY of 1.50% and balances over $15,000 earn 0.25% interest rate on the portion of balance over $15,000, resulting in a range from 1.50% to 0.41% APY depending on the account’s balance.
- ATM Fee Reimbursements: You will receive reimbursements up to $25 ($4.99 per single transaction) for domestic ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM fees of $5.00 or higher.
When Kasasa Cash® qualifications are not met ATM fees are not refunded and all balances in your Kasasa Cash® account and in your Kasasa Saver® account earn 0.05% APY* and 0.05% APY, respectively, and the interest earned in your Kasasa Cash® account is automatically transferred to your Kasasa Saver® account. Dividends and ATM fee reimbursements will be credited to your Kasasa Cash® account on the last day of Statement Cycle and then automatically transferred to your Kasasa Saver® account on the following day.
* When linked to the Kasasa Saver® account, the dividends earned within the Kasasa Cash® account does not compound since it is automatically transferred to the Kasasa Saver® account. Consequently, when linked to Kasasa Saver®, and your Kasasa Cash® qualifications are met, balances up to $10,000 in your Kasasa Cash® account receive a non-compounding APY of 4.01%; and balances over $10,000 earn 0.25% interest rate on the portion of the balance over $10,000, resulting in a non-compounding range from 4.01% to 0.59% APY depending on the account’s balance. When your Kasasa Cash® qualifications are not met, all balances in the Kasasa Cash® account earn a non-compounding APY of 0.05%. The Kasasa Saver® APYs may be less than the Kasasa Cash® APYs. APY = Annual Percentage Yield. APYs accurate as of 01/01/2023. 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. Rewards may vary by account. No minimum deposit is required to open the account. Monthly ACH credit, enrollment in online banking, receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit one Kasasa Cash® and one Kasasa Saver® per prime member and per primary account. A Kasasa Cash® account is required to have a Kasasa Saver® account. A linked Kasasa Saver® account is required for automatic savings. Contact a University Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa, Kasasa Cash and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A.
Put your savings on autopilot with free Kasasa Saver®
Kasasa Saver links with your free Kasasa Cash® or Kasasa Cash Back checking account to build up savings automatically. Your checking rewards* and nationwide ATM fee refunds* become savings each month - and you never even have to think about it. Plus, Kasasa Saver® earns high dividends - 1.50% APY* on balances up to $15,000! So your money isn’t just sitting there month after month. It’s growing!
- Linked to free Kasasa Cash® or Kasasa Cash Back checking account
- Automatic transfers of Kasasa Cash® or Kasasa Cash Back rewards
- 1.50% APY* on balances up to $15,000
- Balances over $15,000 earn 0.25% interest rate on the portion of balance over $15,000
- 0.05% APY* if qualifications are not met in your Kasasa® checking account
- No monthly service fee
- No minimum balance to earn rewards
- Free digital banking
- Free e-statements
- No minimum deposit to open
- Here’s the lowdown on how to earn rewards:
- To earn a higher Kasasa Saver® rate, simply do the following activities and transactions in your Kasasa checking account each monthly qualification cycle:
- Kasasa Cash:
- Have at least 12 debit card purchases post and settle
- Be enrolled and receive e-statement notice
- Be enrolled and and access home banking
- Have at least 1 bill pay transaction or 1 automatic payment (ACH) post and settle
- Kasasa Cash Back:
- Have at least 12 debit card purchases post and settle
- Be enrolled and receive e-statement notice
- Be enrolled and and access home banking
See? Simple. But if you don’t qualify in your Kasasa Cash®or Kasasa Cash Back checking account one month, no sweat. There’s no fee, and you can get right back to earning your rewards the very next month!
2023 Qualification Cycle |
||
---|---|---|
January: Dec. 31 - Jan. 30 | February: Jan. 31 - Feb. 27 | March: Feb. 28 - Mar. 30 |
April: Mar. 31 - Apr. 29 | May: Apr. 30 - May 30 | June: May 31 - Jun. 29 |
July: Jun. 30 - Jul. 30 | August: Jul. 31 - Aug. 30 | September: Aug. 31 - Sep. 29 |
October: Sep. 30 - Oct. 30 | November: Oct. 31 - Nov. 29 | December: Nov. 30 - Dec. 29 |
*Qualifications 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 University Credit Union as ATM transactions and purchases made with non-University Credit Union issued debit cards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) 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, the following rewards will be distributed to your account(s):
- Kasasa Cash®: (1) Balances up to $10,000 receive APY* of 4.01%; and balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000, resulting in a range from 4.01% to 0.59% APY depending on the account’s balance and
- Kasasa Saver®: (2) Balances up to $15,000 receive APY of 1.50% and balances over $15,000 earn 0.25% interest rate on the portion of balance over $15,000, resulting in a range from 1.50% to 0.41% APY depending on the account’s balance.
- ATM Fee Reimbursements: You will receive reimbursements up to $25 ($4.99 per single transaction) for domestic ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM fees of $5.00 or higher.
When Kasasa Cash® qualifications are not met ATM fees are not refunded and all balances in your Kasasa Cash® account and in your Kasasa Saver® account earn 0.05% APY* and 0.05% APY, respectfully, and the interest earned in your Kasasa Cash® account is automatically transferred to your Kasasa Saver® account. Dividends and ATM fee reimbursements will be credited to your Kasasa Cash® account on the last day of Statement Cycle and then automatically transferred to your Kasasa Saver® account on the following day. * When linked to the Kasasa Saver® account, the dividends earned within the Kasasa Cash® account does not compound since it is automatically transferred to the Kasasa Saver® account. Consequently, when linked to Kasasa Saver®, and your Kasasa Cash® qualifications are met, balances up to $10,000 in your Kasasa Cash® account receive a non-compounding APY of 4.01%; and balances over $10,000 earn 0.25% interest rate on the portion of the balance over $10,000, resulting in a non-compounding range from 4.01% to 0.59% APY depending on the account’s balance. When your Kasasa Cash® qualifications are not met, all balances in the Kasasa Cash® account earn a non-compounding APY of 0.05%. The Kasasa Saver® APYs may be less than the Kasasa Cash® APYs. APY = Annual Percentage Yield. APYs accurate as of 01/01/2023. 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. Rewards may vary by account. No minimum deposit is required to open the account. Monthly ACH credit, enrollment in online banking, receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit one Kasasa Cash® and one Kasasa Saver® per prime member and per primary account. A Kasasa Cash® account is required to have a Kasasa Saver® account. A linked Kasasa Saver® account is required for automatic savings. Contact a University Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa, Kasasa Cash and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A.
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.