<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=456359911403087&amp;ev=PageView&amp;noscript=1">
Skip to Content

      Call Center

      (800) 543-2811
      View All Locations & ATMs

      Kasasa Cash Checking Account

      • Earn 1.75% APY* on account balances up to a $25,000 and 0.25% APY* on balances over $25,000.
      • No minimum balance to earn rewards.
      • No monthly service fee.
      • Nationwide ATM fee refunds (max. of $4.99 per single transaction) not to exceed $25.00 per month
      Member Apply Non-Member Apply
      checking account at america's credit union woman on laptop
      So Close

      Is this checking account almost perfect? If you love this account but wish you could earn cash back, we have you covered.

      Kasasa Cash Back >

      This free checking account offers high dividends & ATM refunds!

      Get rewarded for banking basics each month.

      Finally, a free checking account you can get excited about!  Kasasa Cash is America's Credit Union's rewards checking account that actually PAYS YOU to bank with us.  When you qualify**, earn 1.75% APY**, receive ATM fee refunds and never worry about a minimum balance to earn rewards.  Kasasa Cash, the way checking should be.  

      What this means to you: Earn approximately $36.00 per month or $437.00 per year when you maintain $25,000 daily balance and meet qualifications each cycle!  

      • Earn up to 1.75% APY** on account balances up to $25,000 when qualifications are met.
      • Earn 0.25% APY** on account balances over $25,000 when qualifications are met. 
      • No monthly service fee.
      • No minimum balance requirement.
      • Receive reimbursements for nationwide ATM fees (max. of $4.99 per single transaction) not to exceed $25.00 per month.
      • Open a Kasasa® Saver and save even more!
      • Available for members 13+. (Members under 18 will require a joint owner.)
      • Kasasa Care(TM), provides identity protection, can help you save on prescriptions, health, vision, health insurance, and Medicare.  
      the best free checking account at america's credit union is easy to open online shown by woman on a phone

      Earn More Interest
      cash back icon

      Earn up to up to 1.75% APY** on up to a $25,000 account balance.

      No Monthly Fee
      no fees icon

      No minimum balance requirements and no service fee ever!

      Refunded ATM Fees
      atm icon

      Refund of nationwide ATM fees (max. $4.99 per single transaction) not to exceed $25.00 per month.

      Open your checking account today!

      • Use your America's Credit Union debit card at least 15 times per month with a minimum of $5 purchase or more.
      • Enroll and login to online or mobile banking at least once per month.
      • Agree to and receive E-Statements.
      • Meet all qualifications during the Monthly Qualifying Cycle.

      2021 Kasasa Calendar

      Truth-In-Savings (TIS) Disclosure

      Enjoy all the extras you need with our Kasasa Cash Checking Account:

      • Free Online Banking.
      • Free Online Bill Pay.
      • Free Mobile App.
      • Free Mobile Deposits.
      • Refund of nationwide ATM fees (max. $4.99 per single transaction).
      • Free Visa debit card.
      • Connect your Kasasa Cash Checking Account with a Kasasa Saver Savings Account and earn even more!

      Check out the additional benefits and added perks you get just for being a member of America's Credit Union!

      Checking Account Rates

      Account Type Dividend Rate* Annual Percentage Yield (APY)** Dividends Paid on Amounts
      TEXT
      Kasasa® Cash**
      TEXT
      1.73%
      TEXT
      1.75%
      TEXT
      $0-$25,000
      TEXT
      Kasasa® Cash**
      TEXT
      0.25%
      TEXT
      0.25%
      TEXT
      Over $25,000
      TEXT
      Kasasa® Cash**
      TEXT
      0.01%
      TEXT
      0.01%
      TEXT
      All balances if qualifications not met.
      TEXT
      Kasasa® Cash Back
      TEXT
      None
      TEXT
      None
      TEXT
      N/A
      TEXT
      Flexible Checking
      TEXT
      None
      TEXT
      None
      TEXT
      N/A
      Effective May 1, 2021
      Account Type

      Kasasa® Cash**

       Dividend Rate*

      1.73%

       Annual Percentage Yield (APY)**

      1.75%

       Dividends Paid on Amounts

      $0-$25,000
      Account Type

      Kasasa® Cash**

       Dividend Rate*

      0.25%

       Annual Percentage Yield (APY)**

      0.25%

       Dividends Paid on Amounts

      Over $25,000
      Account Type

      Kasasa® Cash**

       Dividend Rate*

      0.01%

       Annual Percentage Yield (APY)**

      0.01%

       Dividends Paid on Amounts

      All balances if qualifications not met.
      Account Type

      Kasasa® Cash Back

       Dividend Rate*

      None

       Annual Percentage Yield (APY)**

      None

       Dividends Paid on Amounts

      N/A
      Account Type

      Flexible Checking

       Dividend Rate*

      None

       Annual Percentage Yield (APY)**

      None

       Dividends Paid on Amounts

      N/A
      Effective May 1, 2021

      *Rate/Yield on the above accounts is subject to change daily. Questions? Call 1-800-543-2811. **Annual Percentage Yields (APY) are based upon daily balance. Qualification Requirements: 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, have at least 15 debit card transactions with a minimum of $5 purchase or more per transaction, enrolled in and agree to receive eStatements, log in to online banking or mobile banking one time per month. If requirements are not met, your account is still free and you'll earn our base rate.

      Checking Account Resources

      Budgeting Your Checking Account

      Budget ebook cover and spineIt’s essential that you have good budgeting habits to keep your Checking Account in balance. Whether you’re budgeting and saving for a one-time event like a wedding, saving for a major life change like having a baby, or getting better at managing daily spending and saving in general, this eBook will help!

      Full of budget templates and tips about creating a budget and tricks for sticking to it, this guide is essential for your money management success. With some organization and a good plan, you’ll be adding deposits to your Savings Account regularly.

      Free eBook

      *APY = Annual Percentage Yield.

      1. Limit (2) two Kasasa checking accounts per Social Security number.
      2. Debit cards available pending approval
      3. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
      4. Refund of nationwide ATM fees (maximum of $4.99 per single transaction) not to exceed $25.00 per month is effective June 1 2019

      ehobbb

      bauer-badge

      ACU NMLS ID #562279

      NCUA
      Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency
      Privacy Policy

      America’s Credit Union will NOT ask you to update your information through an e-mailed link or a cell phone text message. Should you receive an e-mail or text message allegedly from America’s Credit Union requesting such an update, please contact us immediately.

      The ACU website features a number of links to entities associated with ACU and/or the credit union industry. By accessing any of these links, you will be leaving the ACU site and entering a site hosted by another party. For your protection, we encourage you to read the privacy and security policies of the sites you enter, as these policies may be different from those of ACU. 

      America's Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 972-494-5328 or 800-543-2811 so that we may promptly assist you and remedy any accessibility concerns.

      © America’s Credit Union 2021 All Rights Reserved.