Get free checking that pays really high rates. Our free Kasasa Cash® checking account pays you to bank with us — instead of the other way around.
We'll also refund your ATM withdrawal fees, nationwide.* So even if you find yourself outside of the Gopher State, you can access your cash with ease. You won't find accounts like this at just any financial institution. It's all part of the exclusive benefits you'll get as a UECU member. So tell us, do you Kasasa?®
- Free checking that pays high dividends
- 2.00% APY* on balances up to $10,000
- 2.00% to 0.41% APY on balances over $10,000 depending on balance in account*
- 0.05% APY* if qualifications aren't met
- 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 Really High Dividends
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 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, and you'll still earn our base dividend rate. 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. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 per month and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.00%; and (3) balances over $10,000 earn 0.25% interest rate on the portion of the balance over $10,000, resulting in 2.00% - 0.41 % APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Qualifying transactions must post to and settle in Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle 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. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash are automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash 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 portion of balance over $10,000, resulting in 0.50% - 0.27% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in 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.