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Kasasa Cash Back Checking Account

  • Earn 2.00% cash back on debit transactions up to $300 (max. $6.00 per month).
  • Receive reimbursements for nationwide ATM fees (max. of $4.99 per single transaction) not to exceed $25.00 per month.
  • No minimum balance to earn rewards.
  • No monthly service fee.
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Do you love this account but wish it paid interest? We have a checking account just for you that will score a perfect 10!

Kasasa Cash >

This free checking account pays rewards!

Earn up to $6.00 cash back on debit card purchases each month. No hidden fees - no kidding!

It's a checking account that pays you back!  Get up to $6 cash back every month you qualify**.  There are no points to redeem or minimum balance requirements.  In addition, you also get refunds on nationwide ATM fees (max. $4.99 per single transaction), free E-statements, and more! Plus, link your Kasasa checking account to your Kasasa Saver savings account, we’ll turn your cash rewards into automatic savings.

  • Earn 2.00% cash back on debit transactions up to $300 (max. $6.00 per month).
  • No minimum balance to earn rewards.
  • No monthly service fee.
  • 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 pays rewards shown by woman shopping

Earn Cash Back
cash back icon

Earn up to 2.00% cash back on debit transactions up to $300 (max. $6.00 per month).

No Monthly Fee
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No minimum balance requirements and no service fee ever!

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

Open your free 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 Back 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. Minimum of $25 to open. 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.