The more you bank with KALSEE, the more you save with My KALSEE Perks!

My KALSEE Perks is a way for us to thank and reward you for using our products and services. The more services you take advantage of, the more points you’ll earn! Whether you’re a long-time KALSEE member or brand new, you can save with Perks. Try a new product or service today to earn more points! Your level and points scored will automatically appear on your statement, as well as in your It’s Me 247 Online Banking account.

VIP (300+ Points)

  • 1/2% off your next installment loan!*

  • Everything below, plus fee free:
    • Cashier’s checks
    • Money orders
    • Wire transfers

PLATINUM (200-299 points)

  • 1/4% off your next installment loan!*

  • Everything below, plus fee free:
    • ATM/debit card replacement
    • Checking cashing
    • Phone transactions
    • Box of checks each quarter

GOLD (100-199 points)

  • Everything below, plus fee free:
    • Visa gift cards
    • Stop payments
    • Account history print outs

BASIC (0-99 points)

  • Fee free:
    • ATM transactions at CO-OP Network ATMs
    • First ATM/debit card
    • CU*Talk Phone Banking
    • It’s Me 247 Online Banking with eStatements and Bill Pay
    • Notary services
    • CO-OP and Xtend shared branching
    • Credit card balance transfers and cash advances

Earning Perks Points

Earning Perks Points


25Home Equity Loan
10All other loans (each)
25Credit Card
10Aggregate balance < $1,000
30Aggregate balance $1,000 - $24,999
40Aggregate balance $25,000 - $49,999
50Aggregate balance $50,000 - $74,999
60Aggregate balance $75,000+


10It’s Me 247 Online Banking
5CU*Talk Phone Banking
10Bill Pay
25Valid eMail Address
25Debit Card


10Additional Savings Account
10Certificate of Deposit (CD)
20IRA Share / IRA CD
25Retirement & Investment Account
10Money Market
10Aggregate Balance < $1,000
15Aggregate Balance $1,000 - $2,499
25Aggregate Balance $2,500 - $9,999
35Aggregate Balance $10,000 - $49,999
45Aggregate Balance $50,000+


50Payroll Direct Deposit > or = $1,000
50ACH Deposit > = $1,000
5Active AFT Transfers
15Active Loan Pay AFT
25Active AFT Loan Payment


-200Wrong Address
-200Negative Savings Balance
-200Delinquent Loan

*APR = Annual Percentage Rate. APR with VIP or Platinum Perks discount will not be reflected on your contract. The discount will be applied to your loan each month that you maintain VIP or Platinum Perks status.