What's Kasasa Cash?

Enjoy high dividend earnings and refunds on ATM withdrawal fees.*

Choose checking that rewards you just for banking with us. Free Kasasa Cash pays up to 2.00% APY* on your balance and refunds ATM withdrawal fees, nationwide. All you have to do to earn rewards are a few simple things that make banking easier anyway (like using your check card). Visit us today to open your account.

Benefits:

  • Free checking that pays high dividends:
    • 2.00% APY* on balances up to $10,000
    • 2.00% to 0.41% APY* on balances over $10,000, depending on balance in account*
    • 0.01% APY if qualifications are not met*
  • Refunds on ATM withdrawal fees, nationwide*
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Free VISA® check card
  • Free online banking, eStatements, and more

It’s Easy to Earn Your Rewards:

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:

  • At least 12 check card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking or mobile banking

That’s it! And if for some reason you don’t earn your rewards one month, don’t worry — your account is still free and you’ll still earn our base rate. Plus, you can get back to earning your full rewards the very next cycle that you qualify.

Ask for Kasasa

Kasasa Cash Account Disclosure:

*APY = Annual Percentage Yield. Information and APY’s accurate as of 3/29/2022. Rates and rewards are variable, and at any time rates, qualifications, and rewards may change at the discretion of HCCU. Account approval, conditions, qualifications, limits, time frames, enrollments, log-ons and other requirements apply. Enrollment in electronic services (e.g. online banking, mobile banking, electronic statements) and log-ons are required to meet some of the account’s qualifications. There are no recurring monthly service charges or fees to open or close this account. See our Fee Schedule for fees that may apply to this account. Fees may reduce earnings.

KASASA ACCOUNTS – For all Kasasa accounts you may qualify for monthly rewards if you meet the applicable minimum qualification requirements for each qualification cycle. To meet the minimum qualification requirements you must: 1) make 12 purchases that post and settle, during that cycle, with the HCCU debit card linked to this draft account; 2) access online or mobile banking at least one time per cycle; 3) be enrolled in and receive eStatements. 

Account transactions and activities may take one or more Business 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 HCCU as ATM transactions, and purchases made with any debit card issued by someone other than HCCU.

Automatic Qualifications and Bonuses – A new customer who opens a Kasasa checking account for the first time may receive the standard rewards (Kasasa Cash or Kasasa Cash Back) or a bonus reward (Kasasa Tunes) one time without meeting any of the requirements during the initial Monthly Qualification Cycle. This feature is only available to new Kasasa account holders one time, one pay out, and will not be honored for accounts that convert between deposit products. The automatic qualifications and/or bonuses feature may be discontinued by HCCU at any time.

Extended Non- Qualification – If you fail to meet the minimum qualification requirements for three (3) or more consecutive qualification cycles you will be removed from the Kasasa Rewards Checking program and placed in an alternate checking account that does not receive rewards or ATM refunds.  Once removed from the Kasasa Rewards Checking program, you can be converted back to a Kasasa account by contacting the credit union member service line or inbox and making the request. 

Qualification Cycle – The monthly qualification cycle is defined as a period beginning on the last day of the prior calendar month and ending on the next to last day of the calendar month in which dividends are paid.

Statement Cycle – The Statement Cycle begins on the first calendar day of the month, ends on the last calendar day of the month.

Kasasa Cash – The Kasasa Cash account is a tiered rate account. If you meet the minimum qualification requirements during the monthly qualification cycle, you will earn the first divided rate and annual percentage yield listed in the Rate Schedule for this account on balances of $10,000.00 or less and will earn the second divided rate tier and range of annual percentage yields on balances $10,000.01 or greater. When minimum qualification requirements are not met, you will earn the non-qualified rate on all balances, and will not receive ATM refunds.

ATM REWARDS FOR ALL KASASA ACCOUNTS – We will assess ATM fees and refund both the internal and ATM surcharges assessed at domestic ATMs we do not own or operate. You will receive surcharge reimbursements of up to a maximum of $4.99 per single domestic transaction during the monthly qualification cycle in which you qualified. ATM receipts must be presented within 45 calendar days after the Statement Cycle where the reimbursement was applicable for reimbursement of ATM fees of $5.00 or higher. If you do not meet all of the minimum qualification requirements for Kasasa accounts during the monthly qualification cycle, no ATM fees will be refunded to you.

Contact a credit union service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa, Kasasa Cash, and Kasasa Cash Back are trademarks of BancVue, Ltd., registered in the U.S.A.