Free Kasasa Saver®

Build savings automatically while earning high dividends.

Free Kasasa Saver® makes saving super simple. It links to your free Kasasa Cash® or Kasasa Cash Back® checking to grow your savings automatically every month.

 

When you earn cash rewards in your Kasasa® checking, those earnings transfer into Kasasa Saver. Plus, Kasasa Saver pays up to 0.75% APY* on your balance! That’s Kasasa at Finger Lakes FCU — free accounts that reward you for keeping your money local. Open your accounts online now.

 

Benefits

  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash or Kasasa Cash Back checking
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
  • 0.75% APY* on balances up to $50,000
  • 0.75% to 0.42% APY on balances over $50,000 depending on balance in account*
  • 0.05% APY* if qualifications are not met on Kasasa Cash or Kasasa Cash Back
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Free online banking 
  • Free eStatements 
  • Free mobile banking 
  • Personal Financial Dashboard available
  • No minimum deposit to open

 

Here’s how easy it is to earn your rewards:

Qualifying for your Kasasa Cash or 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 or Kasasa Cash Back account during each Monthly Qualification Cycle:

 

  • At least 1 direct deposit, ACH credit, or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements

And if you don’t meet these qualifications, don’t worry — your accounts are still free.

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



Kasasa Cash with Saver

*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, the following rewards will be distributed to your account(s) on the last day of the current statement cycle: Kasasa Saver: Balances up to $50,000 receive APY of .75%; and balances over $50,000 earn .25% interest rate on the portion of balance over $50,000, resulting in a range from .42% to .75% APY depending on the account’s balance. Kasasa Cash: Balances up to $10,000 receive a non-compounding APY* of 2.00%; and balances over $10,000 earn .25% interest rate on the portion of balance over $10,000, resulting in a non-compounding range from .41% to 2.00% APY* depending on the account’s balance. When Kasasa Cash qualifications are not met, Kasasa Saver: All balances earn .05% APY. Kasasa Cash: All balances earn a non-compounding APY* of .05%. *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 within one day. This 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. APY = Annual Percentage Yield. APYs accurate as of 10/01/2017. 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. A $5.00 minimum deposit is required to open the account. Monthly ACH activity, receipt of electronic statements, and 12 debit card purchases in a month 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.  A Kasasa Cash account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly maintenance charges or fees to open or close this account. Limit 1 account per primary social security number.  Qualifications must be met in order to continue to be eligible for Kasasa accounts. If qualifications are not met, the Credit Union reserves the right to transfer your account to a comparable product that may not earn rewards.   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 and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

 

Kasasa Cash Back with Saver

*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 $50,000 receive APY of .75%; and balances over $50,000 earn .25% interest rate on the portion of balance over $50,000, resulting in a range from .42% to .75% 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. 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 .05% APY. Kasasa Cash Back: No cash back payments are made. APY = Annual Percentage Yield. APYs accurate as of 10/01/2017. 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. A $5.00 minimum deposit is required to open the account. Monthly ACH activity, receipt of electronic statements and 12 or more debit card purchases per month are conditions of this 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. An account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly maintenance charges or fees to open or close this account. Limit 1 account per primary social security number.  Qualifications must be met in order to continue to be eligible for Kasasa accounts. If qualifications are not met, the Credit Union reserves the right to transfer your account to a comparable product that may not earn rewards. 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.