Shop without the guilt when you use your free Visa® debit card. Our free Kasasa Cash Back® checking account pays cash back on everyday debit card purchases — not just groceries or gas! We'll also refund your ATM withdrawal fees, nationwide.*
All you have to do to qualify are a few simple things that make banking easier anyway, like sign up for eStatements and online banking. Open your account, and start earning your rewards now with Kasasa®!
- Free checking that pays you back
- 2.00% cash back on debit card purchases*
- No category restrictions on purchases
- Cash back earned on up to $300 in purchases monthly
- Earn up to $72 cash back per year, $6 per month
- Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
- No monthly service charge
- No minimum balance to earn rewards
- Online banking & bill pay
- Free mobile banking with mobile deposit
- Free eStatements
- Free Visa® debit card
- Access to surcharge-free ATMs
- Easily switch to UECU using our switch kit
- $5 minimum deposit to open
How to Earn Cash Back
We've made it easy to earn your rewards. In fact, you're probably already doing most, if not all, these things already. To earn your rewards, just do the following transactions and activities in your Kasasa Cash Back account during each Monthly Qualification Cycle:
- Have at least 12 debit card purchases post and settle
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
That's it! And if for some reason you don't qualify one month, don't worry. Your account is still free. Then you can get back to earning your full rewards the very next month.
*APY=Annual Percentage Yield. APYs accurate as of 1/1/2016. Rates may change after account is opened. When monthly qualifications are met, you will receive 2% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $6 per monthly qualification cycle. Domestic ATM fees incurred using Kasasa Cash Back debit card during qualification cycle will be reimbursed up to $20 per month if qualifications are met within monthly qualification cycle. Qualifying transactions must post to and settle account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Kasasa Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. If qualifications in Kasasa Cash Back are met each monthly qualification cycle: (1) balances up to $10,000 in Kasasa Saver receive an APY of 0.50%; and (2) balances over $10,000 in Kasasa Saver earn 0.25% interest rate on the portion of the balance over $10,000, resulting in 0.50% - 0.27% APY depending on the balance. If qualifications are not met on Kasasa Cash Back, all balances in the Kasasa Saver earn 0.05% APY. We reserve the right to convert your Kasasa Checking account to a Checking account and also convert the corresponding Kasasa Saver to your Share Savings Account if the account does not meet the monthly qualification criteria over three (3) consecutive statement cycles. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.