With free Kasasa Cash® checking, we reward you just for being a member. Watch your balance grow with earnings of up to 2.25% APY* per month — all for doing simple banking activities you probably already do!
You’ll also get refunds on ATM withdrawal fees, nationwide — so every ATM is your ATM, whether you’re in Geneva, Phelps, Fairport, Webster, or anywhere else. Sign up today and make saving simple and effortless.
Benefits
- Free checking that pays high dividends
- 2.25% APY* on balances up to $10,000
- 2.25% to 0.43% APY on balances over $10,000 depending on balance in account*
- 0.01% APY* if qualifications aren't met
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
- No minimum balance to earn rewards
- No monthly maintenance fee
- Free online banking with bill pay
- Free eStatements
- Free mobile banking
- Free Visa® debit card
- Discount on Kasasa Protect
- Only $5 minimum deposit to open
Here’s how easy it is to earn your rewards:
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 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 account is still free.
Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
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 last business day of the current statement cycle.
Reward Information:
You will automatically qualify for the account's rewards during your account's first statement cycle. When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $10,000 in your Kasasa Cash account earn a dividend rate of 2.25% resulting in an APY of 2.25%; and daily balances over $10,000 earn a dividend rate of 0.25% on the portion of the daily balance over $10,000, resulting in a range from 2.25% to 0.43% APY depending on the account's daily balance. You will receive reimbursements up to an aggregate total of $25.00 (and up to $4.99 per ATM fee) for nationwide ATM withdrawal fees incurred within your Kasasa Cash 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 or Kasasa Cash Back checking account ATM transactions. Savings account ATM transaction fees are not reimbursed nor refunded. When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.01% resulting in an annual percentage yield of 0.01% and ATM withdrawal fees are not refunded. Dividends will be credited to your Kasasa Cash account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 07/01/2023. APY calculations are based on an assumed balance of $10,000 + $100,000 in your Kasasa Cash 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.
Additional Information:
Membership restrictions may apply. 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, enrollment in electronic statements, and 12 monthly debit card purchases are conditions of this account. Enrollment in electronic services (i.e. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one (1) account(s) per social security number and commercial accounts are ineligible. There are no recurring monthly maintenance charges or fees to open or close this account. 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. If the account is closed or converted, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our Credit Union member service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA.
Trademarks:
Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.