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My Kalsee Perks


The more you bank with us, the more you save.

We're grateful to consider you part of our family. Bringing your full banking relationship to Kalsee helps us get to know you and cultivate your financial wellness, so you can focus on what matters. And as a thank you for your relationship with us, you can earn rate discounts, fee waivers, and other great perks. Each product or service you use earns you monthly points, reflected on your statement and in Online Banking.



0-99 points


100-199 points


200-299 points


300+ points
0.50% APR1
off your next (non-real estate) installment loan

Free cashier's checks

Free money orders

Free wire transfers

0.25% APR1
off your next (non-real estate) installment loan

Free debit card replacement

Free check cashing

Free phone transactions

Free box of checks each quarter

Fee free gift cards (one per month)
Free stop payments
Free account history print outs
Free ATM transactions at CO-OP Network ATMs
Free first debit card
Free CU*Talk Phone Banking
Free Online Banking with eStatements and Bill Pay
Free notary services
Free CO-OP and Xtend shared branching
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returned to members in 2020 as Perks benefits and fee waivers/refunds.

Earning Perks Points

25 All other loans (each)
10 Additional Savings Account
10 Home Equity Loan
10 Certificate of Deposit (CD)
25 Credit Card
20 IRA Share / IRA CD
25 Mortgage
25 Retirement & Investment Account
10 Aggregate balance < $1,000
10 Money Market
30 Aggregate balance $1,000 - $24,999
10 Aggregate Balance < $1,000
40 Aggregate balance $25,000 - $49,999
15 Aggregate Balance $1,000 - $2,499
50 Aggregate balance $50,000 - $74,999
25 Aggregate Balance $2,500 - $9,999
60 Aggregate balance $75,000+ 35 Aggregate Balance $10,000 - $49,999
45 Aggregate Balance $50,000+
10 It’s Me 247 Online Banking 50 Payroll Direct Deposit > or = $1,000
5 CU*Talk Phone Banking 50 ACH Deposit > = $1,000
10 Bill Pay 5 Active AFT Transfers
50 eStatements 15 Active Loan Pay AFT
25 Valid Email Address 25 Active AFT Loan Payment
25 Debit Card Penalties

-200 Wrong Address

-200 Negative Savings Balance

-200 Delinquent Loan

More To Explore

1 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.
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How Do I...

Call 866-985-2273 from the phone associated with your account to activate your card or to change or set your card PIN.
Click to view our locations and hours.

Click to locate a fee-free ATM  near you. Did you know you can use credit union CO-OP network ATMs and fee free?

Don't see your question listed?
Visit our FAQ page.