Who wouldn't want a free checking account that pays you to spend? Enjoy cash back on debit card purchases and monthly refunds on ATM withdrawals* — it’s on us! All you need to do is meet a few easy qualifications to earn your rewards.

Key Features

  • Cash Back
  • No Monthly Maintenance Fee
  • Refunds on ATM Withdrawal Fees^
  • Free checking that pays you back
  • 2.50% cash back on debit card purchases^
  • No category restrictions on purchases
  • Cash back earned on up to $320 in purchases monthly
  • Earn up to $96 cash back per year, $8 per month^
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)^
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free digital banking services, including:
    • Free online banking & bill pay
    • Free mobile banking with mobile deposit
    • Free eStatements
  • Free MasterCard® debit card
  • $25 minimum deposit to open

How to Earn Your Rewards

Just do a few simple things you're probably already doing. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back® account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • At least one direct deposit or ACH payment transaction
  • Be enrolled in and agree to receive eStatements

And if you don't meet these qualifications, your account is still free. And you can get right back to earning your full rewards the very next cycle that you qualify.

^Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.

Visit www.AtholCU.com or contact one of our Member Service Specialists for specific Monthly Qualification Cycle dates.

Reward Information:

When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 2.50% back on up to a total of $320.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back payments may be earned per Monthly Qualification Cycle.

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.

Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed.

Additional Information:

Membership restrictions may apply.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

$25 minimum deposit is required to open the Kasasa Cash Back account.

Monthly one ACH debit or one bill pay, and eStatements are conditions of these accounts.

Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications.

Limit of one account per member.

There are no recurring monthly maintenance charges or fees to open or close this account.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our Member Service Specialists for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Federally insured by NCUA. Your Savings Insured To $250,000 Per Account. Additionally, MSIC fully insures excess shares and deposits above the federal insurance limit of $250,000.

 

Trademarks:

Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.