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Free Kasasa Cash Back Checking

  • 100% Free of Maintenance Fees!
  • Earn 3.00% cash back on debit card purchases*
  • Earn up to $9.00 cash back per month, $108 per year
  • No minimum balance to earn and No monthly service fee
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Do you love this account but wish it paid interest? With Kasasa Cash you can earn up to 4.75% APY. Learn more

Kasasa Cash >

Apply Now



Not a member yet? Confirm your eligibility for membership here before applying.

*Rate/Yield on the above accounts is subject to change daily. Minimum of $25 to open. Questions? Call 1-800-543-2811.

Checking Account Rates
Account Type Dividend Rate* Annual Percentage Yield (APY)** Dividends Paid on Amounts
TEXT
Kasasa® Cash**
TEXT
4.65%
TEXT
4.75%
TEXT
$0-$25,000
TEXT
Kasasa® Cash**
TEXT
2.472%
TEXT
2.50%
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 November 1, 2022
Account Type

Kasasa® Cash**

Dividend Rate*

4.65%

Annual Percentage Yield (APY)**

4.75%

Dividends Paid on Amounts

$0-$25,000

Account Type

Kasasa® Cash**

Dividend Rate*

2.472%

Annual Percentage Yield (APY)**

2.50%

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 November 1, 2022

Kasasa Cash Back Lets You Earn on Everyday Debit Card Purchases

Earn up to $9.00 cash back on debit card purchases each month. No hidden fees - no kidding!

Account Details

  • Free checking that pays you back

  • 3.00% cash back on debit card purchases*

    • Cash back earned on up to $300 in purchases monthly

    • Earn up to $108 cash back per year, $9.00 per month

  • Refunds on ATM withdrawal fees, nationwide (max. of $4.99 per single transaction) not to exceed $25 per month*

  • No minimum balance to earn rewards

  • No monthly service fee

  • Free online banking with bill pay

  • Free Visa® debit card

  • Free e-Statements

  • Free mobile banking

  • $25 minimum deposit to open 

  • Available for members 13+. (Members under 18 will require a joint owner 

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Kasasa Cash Back User-Activated Rewards

Here's how to get started!

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back® account during each Monthly Qualification Cycle: 

  • 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 Qualification Cycle

Even if you don't meet your qualifications during the cycle, your Kasasa Cash Back account is still free!  And you can get right back to earning your cash rewards the very next month.    


2022 Kasasa Calendar

2023 Kasasa Calendar

Truth In Savings (TIS) Disclosure

Kasasa Cash Back Disclosure 

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Turn Your Earnings into Savings with Kasasa Saver

 

Connect your Kasasa Cash Back account with a Kasasa Saver account and increase your savings! 

 

 100% free of maintenance fees.

Kasasa Saver

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Budgeting Your Checking Account

It’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.

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Claim Your FREE Copy!

*Qualifications: America’s Credit Union (ACU) Kasasa Cash Back account qualifications to obtain rewards are; enrollment in eStatements, log in to your online banking or mobile banking one (1) time per month, use your debit card that is associated with your ACU Kasasa Cash Back account a minimum of fifteen (15) individual times with transactions of $5.00 or more. Account transactions and activities may take one (1) 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. "Monthly qualification cycle" means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. Limit (2) two Kasasa checking accounts per Social Security

Reward Information: (1) Receive 3.00% cash back on purchases up to a total of $300.00 when you use your debit card that is associated with your ACU Kasasa Cash Back account. A maximum of $9.00 cash back may be earned per monthly qualification cycle. (2) Receive reimbursements of up to $25 monthly of nationwide ATM fees incurred during the monthly qualification cycle in which you qualified. (maximum $4.99 per single transaction). When Kasasa Cash Back qualifications are not met, cash back payments on purchases are not paid and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. A $25.00 minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. Accounts closed during a monthly qualification cycle will not receive rewards. Other Fees apply. Refer to our Fee Schedule to see what fees could apply to your account. Contact one of America's Credit Union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.