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 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
Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. And you can get right back to earning your cash rewards the very next month.
- Free checking that pays high dividends
- 6.00% APY* on balances up to $15,000
- 6.00% to 1.00% APY on balances over $15,000 depending on balance in account*
- 0.05% APY* if qualifications aren't met
- Refunds on ATM withdrawal fees, nationwide (up to $15)*
- Link to free Kasasa Saver® to build savings automatically
- No minimum balance to earn rewards
- No monthly maintenance fee
- Free online banking with bill pay
- Free Visa® debit card
- Free e-statements
- Free mobile banking
- Access to surcharge-free ATMs across Texas
- $25 minimum deposit to open
Sweep your rewards into Kasasa Saver
Link your free Kasasa Cash checking account to free Kasasa Saver for automatic savings. We'll transfer your cash rewards to Kasasa Saver within one day, where they'll earn high dividends.
We partnered with credit unions across the country to offer you seamless service. Use hundreds of surcharge-free ATMs in Texas. Visit over 5,000 shared branches nationwide.
Surcharge-Free ATMs Shared Branches
*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 account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $15,000.00 receive APY of 6.00%; and balances over $15,000.00 earn 0.1998% interest rate on the portion of balance over $15,000.00, resulting in a range from 0.96% to 6.00% APY depending on the account’s balance and (2) you will 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. 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 07/01/2023. 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. $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. 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 and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.