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Our cash back checking account puts up to $8 back into your account every month.1

Your free Kasasa Cash Back account gives you 2.00% back on your debit card purchases – with no category restrictions. Each month, you can earn up to $8 cash back on up to $400 in purchases. That means you can earn up to $96 a year!

Details About Our Free Checking Account 

Qualifying is a snap!

Just use your free Kasasa Cash Back account to complete the following activities each monthly qualification cycle:

  • Make at least 12 debit card purchases
  • Log into Online Banking 

You're welcome to open a Cash Back checking account if you live, work, worship, or attend school in Sacramento, Placer, El Dorado, Yolo, and San Joaquin Counties. Also, any California resident who is a member of our affiliated organization, the Financial Fitness Association, may join.

That's all there is to it. If for some reason you don't meet the criteria some months, don't worry. Your account is still free. You can get back to earning your full rewards in the next monthly qualification cycle!

Free Kasasa Cash Back Checking Account FAQs 

How much cash back can I earn? 

Answer: You can earn 2.00% cash back on your debit card purchases on up to $400 purchases in any given month. 

This can equal up to $8 a month or $96 a year.

Is there a monthly fee or minimum balance to maintain a Cash Back checking account?  ?

Answer: You need a $25 minimum deposit to open an account, but after that there's no monthly fee or minimum balance to earn rewards. 

How can I qualify to earn cash back each month?

You simply need to make at least 12 debit card purchases a month and use Mobile Banking.

You'll likely find that you easily do these things as part of your everyday banking anyway!

What purchases can qualify to earn cash back? ?

Answer: There are no category restrictions on the purchases that can earn cash back. 

Just be sure to use your debit card with your free Kasasa Cash Back account to pay for all of your favorite products and services.

Do I need to be a member of Heritage Community Credit Union to open a free Kasasa Cash Back account?

Answer: 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 Counties 

Also, any California resident who is a member of our affiliated organization, the Financial Fitness Association, may join.

 

1 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.