Rates
Our cash back checking account puts up to $16 back into your account every month.1
Level 1
2.00% cash back
on purchases on up to $400
A maximum of $8 a month or $96 year
Refunds on ATM fees, nationwide1
Monthly Qualifications
- At least 12 debit card transactions
- Be enrolled in and log into Online Banking
Level 2
3.00% cash back
on purchases on up to $400
A maximum of $12 a month or $144 year
Refunds on ATM fees, nationwide1
Monthly Qualifications
- At least 20 debit card transactions
- Be enrolled in and log into Online Banking
Level 3
4.00% cash back
on purchases on up to $400
A maximum of $16 a month or $192 year
Refunds on ATM fees, nationwide1
Monthly Qualifications
- At least 25 debit card transactions
- Be enrolled in and log into Online Banking
- Maintain a Heritage CCU loan
Earn up to $16 cash back on up to $400 in purchases every month. That means you can earn up to $192 a year! Open a Free Kasasa Cash Back Checking account today and start benefitting from your everyday spending!
Free, Cash Back Checking Account Details
Put money back in your pocket every time you swipe, tap, or click. Earn valuable cash back on your purchases each month when you meet our easy qualification criteria.
Here are a few details about our free cash back checking account:
- It’s a free Kasasa checking account that pays you to spend.
- Earn up to 4% cash back on purchases of up to $400 per month when you qualify for our Level 3 rewards.
- 2% and 3% cash back earned when you qualify for rewards levels 2 and 3.
- No minimum balance to earn rewards.
Other features include:
Click below to open an account online and begin earning as you spend!
Free Kasasa Cash Back Checking Account FAQs
| Is there a minimum balance requirement? |
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There is no minimum balance requirement to maintain a Free Kasasa Cash Back Checking Account or earn rewards. You are required to make at least 12 debit card transactions and log into your Online Banking account to earn cash back rewards.
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What are the requirements to earn cash back?
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The minimum requirements to earn cash back include making at least 12 debit card transactions and logging into your Online Banking account. You will earn more in cash back by performing more debit card transactions and by maintaining a HCCU loan.
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What loans meet level 3 qualifications?
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| All loans are eligible that have a balance or loan limit, except for credit cards or lines of credit. |
| Do I need to be a member of HCCU to open a Free Kasasa Cash Back account? |
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Yes, you do need to be a member, and we can easily help you become one when you open your account.
To be eligible for membership, you need to live, work, worship, or attend school in these counties:
- Sacramento
- Placer
- El Dorado
- Yolo
- San Joaquin
Also, any California resident who is a member of our affiliated organization, the Financial Fitness Association, may join
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Other Checking Account Options
Check out our other attractive checking accounts that offer flexible features and competitive rates.
Worry-Free Checking
Our value-added checking features many perks like IDProtect® identity theft protection and no minimum balance requirements.
Learn More
Teen Checking
Teach your 13- to 17-year-old teen financial responsibility with our Teen Checking account. There are no required fees or minimum balances to get started.
Learn More
1Rewards are variable and may change after the account is opened. Fees may reduce earnings. Reward Information: When Kasasa Cash Back - Multi Level account qualifications are met during a Monthly Qualification Cycle, you will receive Level 1 Rewards: you will receive 2.00% cash back up to a total of $400 on 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. Level 2 Rewards: you will receive 3.00% cash back up to a total of $400 on PIN-based or signature-based debit card purchases that post and settle to the account during that Monthly Qualification Cycle. A maximum of $12.00 cash back may be earned per Monthly Qualification Cycle. Level 3 Rewards: you will receive 4.00% cash back up to a total of $400 on PIN-based or signature-based debit card purchases that post and settle to the account during that Monthly Qualification Cycle. A maximum of $16.00 cash back may be earned per Monthly Qualification Cycle. All three levels will also receive ATM reimbursements up to an aggregate total of $20.00 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 Backs and ATM withdrawal fee reimbursement rewards, Level 1 – you must access your Kasasa Cash Back account through online banking or mobile banking at least once during the Monthly Qualification Cycle and conduct at least 12 posted debit card merchant transactions during the Monthly Qualification Cycle. Level 2 – you must access your Kasasa Cash Back account through online banking or mobile banking at least once during the Monthly Qualification Cycle and conduct at least 20 posted debit card merchant transactions during the Monthly Qualification Cycle. Level 3 – you must access your Kasasa Cash Back account through online banking or mobile banking at least once during the Monthly Qualification Cycle and conduct at least 25 posted debit card merchant transactions and have at least 1 designated loan in good standing with our institution during the Monthly Qualification Cycle. See a Service Representative for list of qualifying loans. All 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 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. There is no minimum balance required, but a $25 minimum deposit is required to open this account.
Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A
