Qualifying for your 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 Back account during each Monthly Qualification Cycle:
At least one monthly direct deposit/ACH credit and/or debit
At least 12 debit card purchases post and settle
Be enrolled in and agree to receive e-statements
Be enrolled in and log into online 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.
No Surprises. Always Free.
Free account that builds your savings effortlessly
Links to free Kasasa Cash Back checking
Automatic transfers of Kasasa Cash Back earnings
0.50% APY* on balances up to $10,000
0.50% to 0.23% APY on balances over $10,000 depending on balance in account*
0.05% APY* if qualifications are not met on Kasasa Cash Back
No minimum balance to earn rewards
No monthly maintenance fees
Free online banking
Free mobile banking with mobile deposit
Free telephone banking
Free Visa® ATM card
Access to surcharge-free ATMs across Texas
No minimum deposit to open
Mobile Banking with Deposit
You've got to earn before you can save.
Get monthly cash rewards with Kasasa Cash Back. This innovative checking account pays you cash back on more than gas and groceries — 100% free of maintenance fees.
*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” 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 Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the current statement cycle: Kasasa Saver: Balances up to $10,000.00 receive APY of 0.50%; and balances over $10,000.00 earn 0.1998% interest rate on the portion of balance over $10,000.00, resulting in a range from 0.23% to 0.50% APY depending on the account’s balance. Kasasa Cash Back: 2.00% cash back on up to a total of $300.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. You will also receive reimbursements up to an aggregate total of $15.00, max. $4.00 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 $4.01 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. A maximum of $6.00 cash back may be earned per Monthly Qualification Cycle. When Kasasa Cash Back qualifications are not met, Kasasa Saver: All balances earn 0.05% APY. Kasasa Cash Back: No cash back payments are made. APY = Annual Percentage Yield. APYs accurate as of 12/01/2016. 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. $25 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons) may be required to meet some of the account’s qualifications. Monthly Direct Deposit/ACH credit and / or debit is a qualifier for this account. Limit 1 account per social security number / individual taxpayer identification number. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close 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, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.