My Kalsee Perks

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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.

	Basic 0-99 points	Gold 100-199 points	Platinum 200-299 points	VIP 300+ points
0.50% APR¹off your next (non-real estate) installment loan				✔
Free cashier's checks				✔
Free money orders				✔
Free wire transfers				✔
0.25% APR¹off 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	✔	✔	✔	✔

$1,705,159.43

returned to members in 2020 as Perks benefits and fee waivers/refunds.

Earning Perks Points

Loans		Deposits
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
Services		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

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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.