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Kasasa Checking®

Kasasa Cash Back Checking Video

 

EARN CASH REWARDS
with your debit card purchases

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Choose your reward with one of our FREE Kasasa® checking accounts! Whether it’s cash back or Tunes rebate, our two Kasasa checking accounts refund your ATM fees, nationwide* and never charge you a monthly service fee. It’s free checking that rewards you the way you want!
 

Choose the Kasasa account and reward that is right for you!


Kasasa Cash Back®

Get cash back on debit card purchases and earn 3%, up to $9.00 per month when you meet qualifications.

Pair your account with Kasasa Saver® to automatically transfer ATM refunds and rewards to your savings account. Just like that.

Benefits of Free Kasasa Cash Back® Checking:

  • Free checking with rewards
  • Get 3% cash back on debit card purchases (up to $9 monthly)*
  • Get refunds for ATM fees nationwide (up to $20 monthly)*
  • No minimum balance to earn rewards
  • Minimum for qualified members to open a membership is $10

Kasasa Cash®

When you meet monthly qualifications, you’ll earn our highest dividend rate—3.00% APY on balances up to $25,000.00!

Benefits of Free Kasasa Cash® Checking:

  • 3.00 % APY* on balances up to $25,000 if qualifications are met
  • 3.00% to 0.80% APY on balances over $25,000 depending on balance in account*
  • 0.01% APY* if qualifications aren’t met
  • Get refunds for ATM fees nationwide (up to $20 monthly)*
  • No minimum balance to earn rewards
  • Minimum for qualified members to open a membership is $10

Pair your account with Kasasa Saver®  to boost your dividend rate in your savings account!*


Kasasa Tunes®

Get refunds each month for music, movies, apps, and more!* Kasasa Tunes® is our FREE checking account that reimburses you for downloads and purchases from Apple.com, Amazon®

Benefits of Free Kasasa Tunes® Checking:

  • Earn $10 each month in iTunes®, Amazon® or Google Play® refunds*
  • Get refunds for ATM fees nationwide (up to $20 monthly)*
  • No minimum balance to earn rewards
  • Minimum for qualified members to open a membership is $10

PLUS ALL KASASA CHECKING ACCOUNTS RECEIVE:

FREE Online Banking
FREE Online Bill Pay
FREE Mobile Banking**
FREE QwikSnap Deposit – Remote Deposit Capture
FREE Direct Deposit
FREE Online Statements
FREE Text Banking
FREE 12/24 Phone Bank
FREE Unlimited Check Writing
FREE Transactions at 30,000+ CO-OP Network ATMs
FREE Transactions at 5,000+ Shared Branches Nationwide
No Monthly Debit Card Fees
No Per-check Fees


How to Earn Your Rewards:

It's so easy to qualify; you're probably already doing it! To earn your rewards, simply do the following
activities and transactions in your Kasasa Cash Back account each monthly qualification cycle

  • At least 1 direct deposit, ACH payment, or bill pay transaction(s)
  • At least 15 debit card purchases
  • Be enrolled in and agree to receive e-statements

We understand life gets busy. If you don’t meet the qualifications one month, your account is still free and you can try again the following month.

As a reminder, enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle.

SAVE EVEN MORE, AUTOMATICALLY

Link your FREE Kasasa Cash Back or Kasasa Cash checking account to Kasasa Saver, and your rewards become automatic savings. Just like that.

Kasasa® Monthly Qualifying Cycles Schedule 

*APY=Annual Percentage Yield. APYs accurate as of 7/1/19. 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 institution. 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 the statement cycle preceding the current statement cycle. See www.HNCU.org or a Member Service Representative for specific Monthly Qualification Cycle dates. "Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. See www.HNCU.org or a Member Service Representative for specific Statement Cycle dates. Limit one account per SSN. Kasasa Cash linked to Kasasa Saver Rates may change after account is opened. For Kasasa Cash, if qualifications are met each monthly qualification cycle: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle (1) daily balances up to and including $25,000.00 in your Kasasa Cash account earn a dividend rate of 3.00% resulting in a non-compounding APY* of 3.00% (2) and daily balances over $25,000.00 earn a dividend rate of 0.25% on the portion of the daily balance over $25,000.00, resulting in a non-compounding range from 3.00% to 0.80% APY depending on the account's daily balance. When Kasasa Cash qualifications are not met, ATM withdrawal fees are not refunded and the dividend rate earned on the entire daily balance in the account will be 0.01% resulting in an APY of 0.01%. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle to the account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning the day after the close of the previous qualifying cycle through the 2nd to the last business day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding dividends. Interest in Kasasa Cash does not compound because it is automatically transferred to the Kasasa Saver account within one day.

Sign Up Bonus: When you open and fund your Kasasa Tunes® account, you will be refunded up to an aggregate total of [$10] (which includes any applicable taxes) for iTunes®, Amazon.com®, Google Play® purchases, made with your Kasasa Tunes® debit card that post and settle to your account during the first [45] calendar days after your account is opened. This refund will be credited to your account on the last day of the current statement cycle in which your aggregate iTunes, Amazon.com, Google Play purchase threshold of $[10] 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. No minimum deposit is required to open the account. No minimum balance is required to obtained this bonus.

Qualification Information: To earn your rewards just do the following transactions and activities in your Kasasa Tunes account during each Monthly Qualification Cycle: Have at least 1 direct deposit / ACH credit transactions post and settle, Have at least 15 debit card purchases post and settle, Be enrolled in and agree to receive e-statements. 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. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

Reward Information: When Kasasa Tunes qualifications are met during a Monthly Qualification Cycle: you will earn up to an aggregate total of $[10] (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or GooglePlay purchases. In order to be refunded, iTunes, Amazon.com, GooglePlay. You will also receive reimbursements up to $20.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Tunes qualifications are not met, iTunes, Amazon.com, Google Play purchases and ATM fees are not refunded. iTunes, Amazon.com, Google Play refunds and ATM fee reimbursements will be credited to your account on the last day of the current statement cycle in which these purchases post and settle to your account and the ATM fees were incurred. Rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Direct Deposit or ACH credit, enrollment in online banking, receipt of electronic statements is a condition(s) of this/these accounts. Enrollment in electronic services (e.g. online banking, electronic statements required to meet some of the account’s qualifications.) Limit (1) account per social security number / individual taxpayer identification number/household. Accounts closed before the end of the qualification cycle forfeit that cycle's rewards. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com Inc.. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com Inc. and Google, Inc.is/ are not participants in or sponsors of this program. Kasasa and Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A. **Standard rates and fees from your wireless carrier may apply. Note: Automatic transfer may cause an overdraft to your Kasasa Cash account, if the account's balance is less than the transferred amount when transfer occurs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to and including $25,000 in Kasasa Saver receive an APY of 2.00%; and (2) balances over $25,000 in Kasasa Saver earn 0.25% dividend rate on portion of balance over $25,000, resulting in 2.00% - 0.60% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.01% APY. Kasasa Cash Back linked to Kasasa Saver Kasasa Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle.

Note: Automatic transfer may cause an overdraft to your Kasasa Cash Back account, if the account's balance is less than the transferred amount when transfer occurs. If qualifications in Kasasa Cash Back are met each monthly qualification cycle: (1) daily balances up to and including $25,000.00 in your Kasasa Saver account earn a dividend rate of 2.00% resulting in an APY of 2.00%; and daily balances over $25,000.00 earn a dividend rate of 0.25% on the portion of the daily balance over $25,000.00, resulting in a range from 2.00% to 0.60% APY depending on the account's daily balance. If qualifications are not met on Kasasa Cash Back, all balances in the Kasasa Saver earn 0.01% APY.

Kasasa Cash Back linked to Kasasa Saver Kasasa Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. Note: Automatic transfer may cause an overdraft to your Kasasa Cash Back account, if the account's balance is less than the transferred amount when transfer occurs. If qualifications in Kasasa Cash Back are met each monthly qualification cycle: (1) daily balances up to and including $25,000.00 in your Kasasa Saver account earn a dividend rate of 2.00% resulting in an APY of 2.00%; and daily balances over $25,000.00 earn a dividend rate of 0.25% on the portion of the daily balance over $25,000.00, resulting in a range from 2.00% to 0.60% APY depending on the account's daily balance. If qualifications are not met on Kasasa Cash Back, all balances in the Kasasa Saver earn 0.01% APY.

Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

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