Choose this free checking account that pays cash back on debit card purchases — plus refunds on ATM withdrawal fees.*
- Free checking that pays you back
- 3.00% cash back on debit card purchases^
- No category restrictions on purchases
- Cash back earned on up to $300 in purchases monthly
- Earn up to $9 cash back per month, $108 per year
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)^
- Link to free Kasasa Saver® to build savings automatically
- No monthly maintenance fee
- No minimum balance to earn rewards
- $50 minimum deposit to open
Qualifications to Earn Cash Back
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:
- At least 12 debit card purchases
- Be enrolled in and agree to receive e-statements
- Be enrolled in and log into online banking or mobile banking
And if you don’t meet these qualifications, don’t worry — your account is still free. And you can get right back to earning your cash rewards the very next cycle that you qualify.
Monthly Qualification Cycle | Statement Cycle | ||||
Month | Year | Begin | End | Begin | End |
January | 2024 | 12/31/2023 | 01/30/2024 | 01/01/2024 | 01/31/2024 |
February | 2024 | 01/31/2024 | 02/28/2024 | 02/01/2024 | 02/29/2024 |
March | 2024 | 02/28/2024 | 03/30/2024 | 03/01/2024 | 03/31/2024 |
April | 2024 | 03/31/2024 | 04/29/2024 | 04/01/2024 | 04/30/2024 |
May | 2024 | 04/30/2024 | 05/30/2024 | 05/01/2024 | 05/31/2024 |
June | 2024 | 05/31/2024 | 06/29/2024 | 06/01/2024 | 06/30/2024 |
July | 2024 | 06/30/2024 | 07/30/2024 | 07/01/2024 | 07/31/2024 |
August | 2024 | 07/31/2024 | 08/30/2024 | 08/01/2024 | 08/31/2024 |
September | 2024 | 08/31/2024 | 09/29/2024 | 09/01/2024 | 09/30/2024 |
October | 2024 | 09/30/2024 | 10/30/2024 | 10/01/2024 | 10/31/2024 |
November | 2024 | 10/31/2024 | 11/29/2024 | 11/01/2024 | 11/30/2024 |
December | 2024 | 11/30/2024 | 12/30/2024 | 12/01/2024 | 12/31/2024 |
Kasasa Cash Back - Truth In Savings Disclosure
Kasasa Cash Back: A free variable reward checking account with no minimum balance that rewards accountholders with cash back on their PIN-based / signature-based debit card purchases and nationwide ATM withdrawal fee refunds when they meet minimum qualifications during the account's Monthly Qualification Cycle.
Qualification Information: To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle: Receive free monthly e-statements, have at least 12 in person debit card purchases post and settle during monthly qualification cycle, Access online banking at least 1 time during monthly qualification cycle. For clarity, in order to count as a qualifying transaction for the purpose of earning the account's rewards PIN-based / signature-based debit card purchases must be at least $1.00. Account transactions and activities may take one 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. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, PIN-based, signature-based debit card purchases less than $1.00, debit card purchases processed by merchants and received by our credit union as ATM transactions, PIN-based, signature-based transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. See our website or contact your local branch for specific Monthly Qualification Cycle dates. "Banking Day" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing. "Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. "Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. See our website or contact your local branch for specific Statement Cycle dates.
Cycle Date Information: The following dates apply to your Kasasa Cash Back account. Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. To qualify for your account's rewards, all of the transactions and activities identified within the above Qualification Information section must post and settle to your Kasasa Cash Back account with these Monthly Qualification Cycle dates. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our institution. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50.00 minimum deposit is required to open the account. See accompanying Schedule of Fees and Charges for fees that may apply to this account. Enrollment in electronic services (e.g., online banking & e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 1 account per member. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Contact one of our Member Service Representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Your Savings Federally insured by NCUA To $250,000 Per Account. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A
Qualification Information: To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle: Receive free monthly e-statements, have at least 12 in person debit card purchases post and settle during monthly qualification cycle, Access online banking at least 1 time during monthly qualification cycle. For clarity, in order to count as a qualifying transaction for the purpose of earning the account's rewards PIN-based / signature-based debit card purchases must be at least $1.00. Account transactions and activities may take one 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. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, PIN-based, signature-based debit card purchases less than $1.00, debit card purchases processed by merchants and received by our credit union as ATM transactions, PIN-based, signature-based transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. See our website or contact your local branch for specific Monthly Qualification Cycle dates. "Banking Day" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing. "Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. "Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. See our website or contact your local branch for specific Statement Cycle dates.
Cycle Date Information: The following dates apply to your Kasasa Cash Back account. Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. To qualify for your account's rewards, all of the transactions and activities identified within the above Qualification Information section must post and settle to your Kasasa Cash Back account with these Monthly Qualification Cycle dates. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our institution. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50.00 minimum deposit is required to open the account. See accompanying Schedule of Fees and Charges for fees that may apply to this account. Enrollment in electronic services (e.g., online banking & e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 1 account per member. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Contact one of our Member Service Representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Your Savings Federally insured by NCUA To $250,000 Per Account. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A