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Free checking that rewards you


Kasasa free rewards checking

Kasasa Cash Back®


Earn 3.00% cash back.*

When you meet your account’s qualifications during a Monthly Qualification Cycle, you’ll receive:

  • 3.00% cash back on debit card purchases, up to $300.00 in total purchases
  • Up to $9.00 total cash back per monthly qualification cycle

When qualifications are not met, cash back payments are not made.

Kasasa Cash®


Earn high dividends – 3.00% APY.*

When you meet your account’s qualifications during a Monthly Qualification Cycle, you’ll receive:

  • 3.00% APY on all balances up to and including $25,000.00 and
  • 0.35% APY on the portion of your balance over $25,000.00

When qualifications are not met, cash back payments are not made.


Plus refunds on ATM withdrawal fees – nationwide.*

When you meet your account’s qualifications during a Monthly Qualification Cycle, you’ll receive:

  • Up to $25 in ATM withdrawal fee refunds
  • ATM receipt must be presented for reimbursement of an individual ATM withdrawal fee of $5.00 or higher

When qualifications are not met, ATM withdrawal fees are not reimbursed.


It’s free.

  • No monthly service fee.
  • No minimum balance.

Already have a KALSEE checking? It’s easy to switch! Your account number won’t change, and there’s no need to reorder checks or a new debit card.

Qualifying for rewards is easy.

To earn cash back and ATM withdrawal fee refunds, simply do the following each Monthly Qualification Cycle:

Didn’t qualify? Don’t worry!

  • Your account is still free.
  • You can qualify again next month.

Kasasa Saver® – 1.00% APY.*

Add a Kasasa Saver account to earn dividends and automatic savings!

  • Earn Dividends On Your Savings
    Earn 1.00% APY* on all Kasasa Saver balances up to and including $25,000.00 and 0.35% APY on the portion of your balance over $25,000.00, when you meet your qualifications in Kasasa Cash or Cash Back. Earn 0.05% APY if qualifications are not met on Kasasa Cash or Cash Back.*
  • Your Kasasa Cash rewards are transferred to Kasasa Saver for automatic savings!
    Since rewards are moved to savings, the dividends in your Kasasa Cash will not compound.*

Compare our Kasasa Cash®

Info accurate as of 1/9/2017.

 APY*Paid on balances up toMax Earnings / YearFeeTo Qualify Each Month
KALSEE CU - Kasasa Cash3.00%
& 0.35% on balance $25,000+
$25,000+$750+None12 debit transactions,
1 online banking login,
eStatements
Arbor Financial CU - Momentum Checking1.00-4.00%$15,000$600NoneDirect deposit of $500+,
10-30 debit transactions,
eStatements
Kellogg Community FCU - eChecking4.00%$15,000$600NoneDirect deposit of $500+,
20 debit transactions,
4 online banking logins,
eStatements,
Bill pay,
640+ credit score
Lake Michigan CU - Max Checking3.00%$15,000$450NoneDirect deposit,
10 debit transactions,
4 online banking logins,
eStatements
Honor CU - Benefits Checking2.50%$10,000$250NoneDirect deposit,
12 signature debit transactions,
1 online banking login,
eStatements
Fifth Third Bank - Preferred Checking0.10%Any$25/mo
Huntington Bank - 25 Checking0.25%Any$25/mo
APY*Paid on balances up toMax Earnings / Year
KALSEE CU - Kasasa Cash
3.00%
& 0.35% on balance $25,000+
$25,000+$750+
To qualify monthly: 12 debit transactions, 1 online banking login, eStatements
Arbor Financial CU - Momentum Checking
1.00-4.00%$15,000$600
To qualify monthly: Direct deposit of $500+, 10-30 debit transactions, eStatements
Kellogg Community FCU - eChecking
4.00%$15,000$600
To qualify monthly: Direct deposit of $500+, 20 debit transactions, 4 online banking logins, eStatements, Bill pay, 640+ credit score
Lake Michigan CU - Max Checking
3.00%$15,000$450
To qualify monthly: Direct deposit, 10 debit transactions, 4 online banking logins, eStatements
Honor CU - Benefits Checking
2.50%$10,000$250
To qualify monthly: Direct deposit, 12 signature debit transactions, 1 online banking login, eStatements

Kasasa Cash Back
*Qualification Information: 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, debit card purchases processed by merchants and received by our credit union as ATM 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) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 3.00% cash back on up to a total of $300.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Kasasa Cash Back qualifications are not met, no cash back payments are made 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 current statement cycle. Rates and rewards are variable and may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly enrollment in online banking and receipt of electronic statements are conditions of this accounts. Enrollment in electronic services (e.g. online banking, electronic statements), and log-ons may be required to meet some of the account’s qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Cash
*Qualification Information: 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, debit card purchases processed by merchants and received by our credit union as ATM 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) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $25,000 receive APY of 3.00%; and balances over $25,000 earn 0.35% interest rate on the portion of balance over $25,000, resulting in a range from 0.88% to 3.00% APY depending on the account’s balance and (2) you will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM withdrawal fees are not refunded. Dividends and ATM withdrawal 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 01/01/2017. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly enrollment in online banking and receipt of electronic statements are conditions of this account. Enrollment in electronic services (e.g. online banking, electronic statements), and log-ons may be required to meet some of the account’s qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Saver
*Qualification Information: 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, debit card purchases processed by merchants and received by our credit union as ATM 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) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash or Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the current statement cycle: Kasasa Saver: Balances up to $25,000 receive APY of 1.00%; and balances over $25,000 earn 0.35% interest rate on the portion of balance over $25,000, resulting in a range from 0.48% to 1.00% APY depending on the account’s balance. When Kasasa Cash or Cash Back qualifications are not met, Kasasa Saver: All balances earn 0.05% APY. Kasasa Cash: All balances earn a non-compounding APY* of 0.05%. *When linked to the Kasasa Saver account, the dividends earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. APY = Annual Percentage Yield. APYs accurate as of 01/01/2017. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly enrollment in online banking and receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit 1 account(s) per social security number. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Kasasa, Kasasa Cash, Kasasa Cash Back, and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.