With this account, we pay you just to bank with us — because that’s how we like to do things.
- Really High Dividend Earnings
- No Monthly Maintenance Fee
- Refunds on ATM Withdrawal Fees*
- Free checking that pays really high dividends
- 4.50% APY on balances up to $10,000*
- 1.00% APY on balances over $10,000 depending on balance in account*
- 0.05% APY if qualifications aren't met*
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
- Link to free Kasasa Saver® to build savings automatically
- No monthly maintenance fees
- No minimum balance to earn rewards
- Must have eStatements (they’re free!)
- $100 minimum deposit to open
Your rewards are waiting…
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 1 direct deposit, ACH credit, or ACH payment transaction
- At least 12 debit card purchases
- Enrolled in eStatements
That’s it. Seriously. And even if you don’t meet these qualifications one month, your free account will still earn our base dividend rate. Then you can get back to earning full rewards the very next month.
Manage and protect your account 24/7 — for free!
- Connect your debit card to your favorite mobile wallet
- Control your debit card with Card App
- Protect Your Identity with Kasasa Protect
- Unlimited check writing
- Online banking & bill pay
- Mobile app & mobile deposit
- 24-hour account access through our Touch Tone Teller (785) 228-2081
- Fraud monitoring
- Notary services
- Access to 5,000+ shared branches & nearly 30,000 surcharge-free ATMs nationwide
- Overdraft Account Protection
*APY = Annual Percentage Yield
For all Kasasa accounts, you may qualify for monthly rewards if you meet the applicable minimum qualification requirements during the monthly qualification cycle. To meet the minimum qualification requirements, you must: 1) make 12 Debit card purchases that post and settle your account; 2) have at least one ACH direct debit or bill pay transaction; 3) be enrolled in and log in to online banking at least once, and 4) be enrolled in and receive e-statements. The monthly qualification cycle is defined as a period begins on the last business day of the current month and runs through to the 2nd to last business day of the next month in which dividends are paid. Account transactions may take one or more business days from the date the transaction was made to post and settle to the account. All transactions must post and settle during the monthly qualification cycle in order to qualify for the account’s reward. The following transactions do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit 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. Kasasa Saver and Kasasa Cash Checking are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. Each dividend rate will apply only to that portion of the account balance within each balance range if you meet the minimum qualification requirements. If you do not meet all of the minimum qualification requirements during the calendar month, the third dividend rate and annual percentage yields as listed in the rate schedule will apply to the entire balance in your account.
Kasasa Cash Checking
The Kasasa Cash Checking account is a tiered rate account. If you meet the minimum qualification requirements during the monthly qualification cycle, the first dividend rate and annual percentage yield listed in the Rate Schedule will apply if your balance is $10,000.00 and below. The second dividend rate and annual percentage yield listed for this account will apply if your balance is greater than $10,000.00. Each dividend rate will apply only to that portion of the account balance within each balance range. In addition, if you meet the minimum qualification requirements during the monthly qualification cycle, you will be reimbursed for domestic ATM fees up to a maximum of $4.99 per individual transaction and up to a maximum of $25.00 per qualification cycle. ATM refunds will be paid on the first processing day of the following Statement Cycle. If you have a Kasasa Saver account, dividends earned on the Kasasa Cash Checking account and ATM fees refunded to you will automatically be transferred to your Kasasa Saver account; on the first processing day of the following Statement Cycle; in that event, dividends will not compound in the Kasasa Cash Checking account. If you do not have a Kasasa Saver account, dividends earned and ATM fees reimbursed will remain in your Kasasa Cash Checking account and dividends will compound in your account as listed in the Rate Schedule. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, the third dividend rate and annual percentage yield as listed in the Rate Schedule will apply to the entire balance in your Kasasa Cash Checking account and ATM fees will not be refunded to you. One Kasasa Cash Checking account or Kasasa Cash Checking account with Kasasa Saver account is allowed per social security number.
For full account details please refer to Envista Federal Credit Union's Truth in Savings Disclosure.