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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.




0-75 points


76-175 points


176-275 points


276+ points
-0.50% APR1 off your next  loan
-0.25% APR1 off your next  loan
+0.75% APY2 on Money Market+ and Boost Savings
+0.50% APY2 on Money Market+ and Boost Savings

Free cashier's checks

Free money orders

Free phone transfers

Free check cashing
Free account history print outs
Free online banking transfers to/from an outside financial institution
Free notary services
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 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

10 Home Equity Loan 10 Additional Savings Account
25 Credit Card 10 Certificate of Deposit (CD)
25 Mortgage 20 IRA Share / IRA CD
25 All Other Loans (Per Loan Type) 25 Retirement & Investment Account
10 Aggregate Balance Less Than $1,000
10 Money Market
30 Aggregate Balance $1,000 - $24,999
10 Aggregate Balance Less Than $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+
25 It’s Me 247 Online Banking 25 ACH Deposit $2,000+
5 CU*Talk Phone Banking 5 Active Automatic Funds Transfers
15 Bill Pay 15 Active Automatic Funds Transfer Loan Payment
25 eStatements 15 Active ACH Loan Payment
15 Valid Email Address

ATM/POS PIN Transaction
10 12-23 Debit Card Transactions -200 Wrong Address
15 24-49 Debit Card Transactions -200 Negative Savings Balance
25 50+ Debit Card Transactions -200 Delinquent Loan
10 Text Banking 

15 Mobile Web Banking 

25 Courtesy Pay Opt-In for Debit Transactions

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. Mortgages and lines of credit do not qualify for Perks discount.

2 APY = Annual Percentage Yield. Boost Savings and Money Market+ rate bumps apply to funds in the second rate tier and above, applied each month that you maintain VIP or Platinum Perks status.

Perks benefits are subject to change at any time. Business memberships are not eligible for and do not calculate towards Perks benefits.

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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?
Login to your account online, call 269-382-7800, or visit any branch with a valid ID and correct address.

Don't see your question listed?

Visit our FAQ page.