Earn really high dividends on your checking balance and get refunds on your ATM withdrawal fees, nationwide!* With no monthly maintenance fees and no minimum balance requirements — Kasasa checking is all about rewarding you just for being a member.
- 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*
- 0.05% 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
- Free Online and Mobile Banking with bill pay
- Free eStatements
- Free Mastercard® Debit Card
- $25 minimum deposit to open
Qualifying for Kasasa Cash Rewards Is Simple
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 12 debit card transactions
- Be enrolled in and log into Online/Mobile Banking
And if you don’t meet these qualifications, don’t worry — your account is still free. 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.
*Checking account eligibility is subject to age and ChexSystem verification. View our Service Pricing. This disclosure contains the rules that govern your deposit account as of December 1, 2018. Account Overview: Kasasa Cash: A free variable rate checking account with no minimum balance that rewards accountholders with dividends and nationwide ATM withdrawal fee refunds when they meet minimum qualifications during the account's Monthly Qualification Cycle. Kasasa Saver is a free, variable rate, deposit account with no minimum balance that rewards accountholders with dividends when they meet the minimum qualifications associated with their linked Kasasa Cash checking account during each Monthly Qualification Cycle. Purpose and Expected Use of Account: This account is intended to be the accountholder's primary share draft account in which payroll transactions and day•to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled. Commensurate with the spending activities identified above, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day•to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account's rewards and thus will be deemed inappropriate transactions and will not count toward earning the account's rewards. Eagle Community Credit Union reserves the right to determine if the account is being maintained for a purpose other than day•to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different share draft account or dosed altogether. We also reserve the right to convert the account to a different share draft account if the account does not have consistent active use over 2 consecutive Statement Cycles. We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted, and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Eagle Community Credit Union check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash with Kasasa Saver account, any optional add-on products / services associated with this account will also be terminated at the same time. If, for whatever reason the Kasasa Saver portion of your account is dosed, your account will automatically be converted to a standalone Kasasa Gash account and only the Kasasa Cash terms and conditions articulated within this disclosure will apply. Dividend Rate & Annual Percentage Yield (APY) Compounding & Crediting: Dividends will be compounded monthly. Dividends will be credited to your Kasasa Cash account on the last day of the current statement cycle. If you close your account before the dividends are credited, you will not receive the accrued dividends. Dividends begin(s) to accrue on the business day you deposit noncash items (for example, checks). ·business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. ·statement Cycle· means the period of time for which Eagle Community Credit Union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Balance Computation Method: We use the daily balance method to calculate the dividends on your Kasasa Cash account. This method applies a periodic rate to the balance in the account each day. Dividend Rate & Annual Percentage Yield: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle daily balances up to and including $10,000.00 in your Kasasa Cash account earn a dividend rate of 2.2271250424% resulting in an APY of 2.25%; and daily balances over $10,000.00 earn a dividend rate of 0.2500000000% on the portion of the daily balance over $10,000.00, resulting in a range from 2.25% to 0.43% APY depending on the account's daily balance. Federally insured by NCUA. Your Savings Insured To S250,000 Per Account.Kasasa, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
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