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Checking

Compare Kasasa Checking Accounts

Free Kasasa Cash®1 Checking Free Kasasa Cash Back®2 Checking Free Kasasa Tunes®3 Checking
Recommended for members who want Free checking that pays high dividends and refunds on ATM withdrawal fees nationwide. Free checking that pays cash back and refunds on ATM withdrawal fees nationwide. Free checking that refunds your purchases from iTunes®, Amazon®, or Google Play™ and refunds on ATM withdrawal fees nationwide.
Minimum Opening Deposit $25 $25 $25
Rewards
  • 2.25% APY† on balances up to $25,000
  • 2.25% to 0.61% APY on balances over $25,000 depending on balance in account
  • 0.05% APY if qualifications aren't met
  • 2.00% cash back on debit card purchases
  • No category restrictions on purchases
  • Cash back earned on up to $400 in purchases monthly
  • Earn up to $96 cash back per year, $8 per month
  • Earn $10 in refunds for iTunes®, Amazon®, or Google Play™ purchases every month
  • Get $20 in refunds for iTunes®, Amazon®, or Google Play™ purchases when you open your account
Monthly Service Charge N/A N/A N/A
Overdraft Protection with Courtesy Pay†† Eligible Eligible Eligible
Visa® Check Card with Purchase Rewards Yes Yes Yes
ATM Fee Reimbursement Refunds on ATM withdrawal fees nationwide (up to $25 monthly) Refunds on ATM withdrawal fees nationwide (up to $25 monthly) Refunds on ATM withdrawal fees nationwide (up to $25 monthly)
FREE Online Services, including Bill Payment, eStatements, FinanceWorks Yes Yes Yes
FREE Mobile eBanking Yes Yes Yes
Unlimited Check Writing Yes Yes Yes
 

APY = Annual Percentage Yield. APYs accurate as of 5/15/2017.

††Member opt-in is required to cover ATM/debit transactions.

1Kasasa Cash Checking Disclosure: Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances in your Kasasa Cash account up to $25,000 receive APY of 2.25% and balances over $25,000 earn 0.1998% interest rate on the portion of balance over $25,000.00, resulting in a range from 2.25% to .61% APY depending on the account’s balance and (2) you will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. When Kasasa Cash qualifications are not met, all balances in the account earn .05% APY and ATM withdrawal fees are not refunded. To receive Kasasa Cash and ATM withdrawal fee reimbursement rewards, you must access your Kasasa Cash account through ehccu-online banking, Mobile eBanking or text banking at least once during the Monthly Qualification Cycle and conduct at least 12 posted PIN-based or signature-based debit card merchant transactions during the Monthly Qualification Cycle. Transactions may take one or more banking days from the date the transaction was made to post to your account. Transactions that have been initiated but not posted as of the end of the cycle will not count as a qualifying transaction for that cycle, but will count in the following cycle when they post to your account. “Monthly Qualification Cycle” means the current Statement Cycle. “Statement Cycle” means the period of time covered by the statement for your account. The statement cycle begins on the first day of the calendar month and ends on the last day of the calendar month. Failure to maintain monthly enrollment in eStatements will require the closure of your Kasasa Cash account. Limit 1 Kasasa Checking account per social security number. There is no minimum balance required to obtain the advertised annual percentage yield, but a $25 minimum deposit is required to open this account.

2Kasasa Cash Back Checking Disclosure: Rewards are variable and may change after account is opened. When your Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, you will receive (1) 2.00% cash back on up-to a total of $400 PIN-based or signature-based debit card purchases that post and settle to the account during that Monthly Qualification Cycle. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. And (2) you will also receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. To receive Kasasa Cash Back and ATM withdrawal fee reimbursement rewards, you must access your Kasasa Cash Back account through ehccu-online banking, Mobile eBanking or text banking at least once during the Monthly Qualification Cycle and conduct at least 12 posted PIN-based or signature-based debit card merchant transactions during the Monthly Qualification Cycle. Transactions may take one or more banking days from the date the transaction was made to post to your account. Transactions that have been initiated but not posted as of the end of the cycle will not count as a qualifying transaction for that cycle, but will count in the following cycle when they post to your account. “Monthly Qualification Cycle” means the current Statement Cycle. “Statement Cycle” means the period of time covered by the statement for your account. The statement cycle begins on the first day of the calendar month and ends on the last day of the calendar month. Failure to maintain monthly enrollment in eStatements will require the closure of your Kasasa Cash Back account. Limit 1 Kasasa Checking account per social security number.

3Kasasa Tunes Checking Disclosure: Rewards are variable and may change after account is opened. As a sign Up Bonus, when you open and fund your new Kasasa Tunes account, you will be refunded up to an aggregate total of $20 (which includes any applicable taxes) for iTunes, Amazon.com or Google Play purchases made with your Kasasa Tunes debit card that post and settle to your account during the first 60 calendar days after your account is opened. This refund will be credited to your account on the first day of the following statement cycle in which your aggregate iTunes, Amazon.com or Google Play purchase threshold of $20 posts and settles to your account. Any portion of the Sign Up Bonus that is not used within the stated time period will be forfeited. Sign Up Bonus will be treated as dividends for IRS (Form 1099 INT) reporting purposes. No minimum balance is required to obtain this bonus, but a $25 minimum deposit is required to open the account. In addition, when Kasasa Tunes qualifications are met during a Monthly Qualification Cycle: (1) you will earn up to an aggregate total of $10 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com or Google Play purchases must be made with your Kasasa Tunes debit card and must post and settle to your account no more than 32 days after the Monthly Qualification Cycle in which you qualified ends. And, (2), you will also receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. When Kasasa Tunes qualifications are not met, no iTunes, Amazon.com or Google Play refunds are made and ATM withdrawal fees are not reimbursed. To receive Kasasa Tunes and ATM withdrawal fee reimbursement rewards, you must access your Kasasa Tunes account through ehccu-online banking, Mobile eBanking or text banking at least once during the Monthly Qualification Cycle and conduct at least 12 posted PIN-based or signature-based debit card merchant transactions during the Monthly Qualification Cycle. Transactions may take one or more banking days from the date the transaction was made to post to your account. Transactions that have been initiated but not posted as of the end of the cycle will not count as a qualifying transaction for that cycle, but will count in the following cycle when they post to your account. “Monthly Qualification Cycle” means the current Statement Cycle. “Statement Cycle” means the period of time covered by the statement for your account. The statement cycle begins on the first day of the calendar month and ends on the last day of the calendar month. Failure to maintain monthly enrollment in eStatements will require the closure of your Kasasa Tunes account. Limit 1 Kasasa Checking account per social security number.

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