It’s your money. Keep it that way, and make even more of it — with free checking that includes high-dividend rewards and no monthly maintenance fees.
Key Features
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High-Dividend Rewards
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Refunds on ATM Withdrawal Fees*
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No Monthly Maintenance Fees
- Free checking that pays high dividends
- 5.0% APY* on balances up to $25,000
- 0.10% APY* on any amount over $25,000
- 0.05% APY* if qualifications aren't met
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
- Link to free Kasasa Saver® to build savings automatically
- No minimum balance to earn rewards
- No monthly maintenance fees
- Includes digital banking services:
- Free online banking with bill pay
- Free mobile banking
- Free e-statements
- Free Mastercard® debit card
- No minimum deposit to open
Here’s How You Qualify
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 payment or ACH credit
- At least 12 debit card purchases
- Be enrolled in and review 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 Cash account is still free. Plus, you'll still earn our base dividend rate. And you can get right back to earning your full rewards the very next month!
*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 Advantage Plus FCU as ATM or PIN-based, signature based transactions and purchases made with non-Advantage Plus FCU issued debit cards. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current month cycle through one (1) business day prior to the close of the current month cycle.
Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $25,000 receive APY of 5.0%; and any amount over $25,000 earns 0.10% APY, (2) you will receive reimbursements up to $25.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher.
When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM fees are not refunded. Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of statement cycle. APY = Annual Percentage Yield. APYs accurate as of 10/02/2023. 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. No minimum deposit is required to open the account. Monthly Direct Deposit/ACH, enrollment in online banking, receipt of electronic statements are a condition 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 1 (one) account per social security number. There are no recurring monthly service charges or fees to open or close this account. (For Kasasa Cash Back or Kasasa Cash account, member may not be enrolled in both accounts). Contact an Advantage Plus FCU service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa & Kasasa Cash are trademarks of BancVue, Ltd., registered in the U.S.A.