Open Rewards Checking | America's Credit Union

Kasasa Rewards Checking

Everyday banking, exceptional rewards!

Pick what works best for you:

Kasasa Cash: Get really awesome interest rates!

Kasasa Cash Back: Score cash back on debit card buys every month!

What's in it for you?

Free accounts.

Monthly rewards.

Easy to qualify for rewards. ¹

No minimum balance and no penalties

ATM withdrawal fee refunds across the nation. (up to $25.00 a month) ¹

Earn even more by attaching a free Kasasa Saver account

How much can I earn with a Kasasa Rewards Checking account?

Number of debit card purchases per month

15 to 29 30 or more

Enter your average monthly balance:

Interest earned in one month:

Interest earned in one year:

Get Started

Which Option is Right for You?

Higher Interest Rate Cash Back on Qualifying Purchases test test test

Open a Kasasa Cash Account
Enroll and login to digital or mobile banking
Must login at least once per statement cycle
Agree to and receive E-Statements
Use your America's Credit Union debit card
Use your debit card at least 30 times per statement cycle and earn a bonus rate up to 4.00% APY ² on balances up to $25,000. Purchase must be $5 or more.

Use your debit card 15 to 29 times per month and earn a premier rate up to 2.00% APY ² on balances up to $25,000. Purchase must be $5 or more.
Meet all qualifications during a statement cycle ³
Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. And you can get right back to earning your cash rewards the very next month.

Open a Kasasa Cash Back Account
Enroll and login to digital or mobile banking
Must login at least once per statement cycle
Agree to and receive E-Statements
Use your America's Credit Union debit card ⁴
Use your debit card at least 15 times per statement cycle to earn 3% cash back on purchases up to $300 per month. Earn up to $9 per month. Purchase must be $5 or more.
Meet all qualifications per statement cycle ³
Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. And you can get right back to earning your cash rewards the very next month.

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Open a Kasasa Checking Account

Kasasa Cash Highlights

Get more out of your checking account with Kasasa Cash!

Earn an awesome bonus rate of up to 4.00% APY ¹ on balances up to $25,000 when you meet the requirements. ¹
Get refunds on ATM withdrawal fees across the country (up to $4.99 per transaction, capped at $25.00 per month). ¹
Plus, for balances over $25,000, you'll still earn anywhere from 0.60% to 4.00% APY, depending on your account balance. ¹
If you don't qualify one month, no problem! Try again the next month with no penalties.

Upgrade your banking experience with Kasasa and start maximizing your rewards today!

Open a Kasasa Cash Account

Kasasa Cash Back Highlights

Looking to get rewarded with cash back? Check out Kasasa Cash Back Checking!

Get 3.00% cash back on your debit card purchases ⁴ and earn up to $108 cash back annually ($9.00 per month).
ATM fee refunds nationwide (up to $4.99 per transaction, not exceeding $25 per month. ⁴
If you don't qualify for one month, no problem! Try again the next month with no penalties.

Upgrade your banking experience with Kasasa and start maximizing your rewards today!

Open a Kasasa Cash Back Account

Get Cash Back Rewards

Kasasa Cash Back Rewards Checking is a free checking account that offers a cash back rewards option on everyday debit card purchases, up to $108 annually. Upgrade your banking experience with Kasasa to maximize your rewards.

Disclosures

¹ APY = Annual Percentage Yield. APYs accurate as of 01/01/2026.

America’s Credit Union (ACU) Kasasa Cash 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 account a minimum of thirty (30) individual times with a minimum $5 purchase or more per transaction to earn a bonus reward or fifteen (15) individual times with a minimum $5 purchase or more per transaction for a premium reward. 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 Number

 Reward Information: (1) Bonus Rewards - Receive APY of 4.00% APY on balances up to $25,000.00 (2) Premium Rewards – Receive APY of 2.00% APY on balances up to $25,000.00 (3) 0.60% to 4.00% APY on balances over $25,000.00 depending on the account’s balance (4) 0.01% APY on the average daily balance if qualifications are not met (5) 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 qualifications are not met, ATM fees are not refunded.

 Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 01/01/2026.

 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.

 Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Refer to our Fee Schedule to see what fees could apply to your account.

 Contact one of ACU’s service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.

 Federally insured by NCUA

 Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

² APY = Annual Percentage Yield

³ 2026 Kasasa Calendar
Truth-In-Savings (TIS) Disclosure
Kasasa Cash Disclosure
Kasasa Saver Cash Disclosure
Kasasa Saver Cash Back Disclosure

⁴ 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 statement cycle, use your debit card that is associated with your ACU Kasasa Cash Back account a minimum of fifteen (15) individual times with a minimum $5 purchase or more per transaction. 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 Number

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.