Checking Accounts

Seize the day, month, and decade.

Find the right checking account
for today and tomorrow.

Every day is an opportunity.

Our checking accounts give you the tools to make the most of each one. From powerful tech to a personal touch, we have everything you need to bank quickly and confidently.

Check balances, pay bills, transfer funds, and much more. Day or night.

Bank virtually anywhere with our highly rated mobile app and secure mobile check deposits.

Pay fast with Apple Pay®, Samsung Pay®, or Google Pay™. No cash or card needed.

Earn rewards when you reach the qualifiers.

Make the most of every dollar with easy-to-use online tools.

Get real-time eAlerts about important account activity, like low balances or cleared checks.

Explore our checking accounts.

Earn cash back.

Get paid to make debit card purchases. Just a swipe or a tap of your card and you start earning rewards.

 

Open Account

Overview

  • Free checking that pays you back
  • Get 4.00% cash back on debit card purchases*
  • No category restrictions on purchases
  • Cash back earned on as much as $250 in purchases monthly
  • Earn as much as $120 cash back per year, $10 per month*
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • $25 minimum deposit to open

Earning rewards is easy!

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, don’t worry — your account is still free. And you can get right back to earning your cash rewards the very next cycle that you qualify.   

Ready for bigger earnings?

It acts like a checking account, earns interest like a savings account.

 

Open Account

Overview

  • Free checking that pays high dividends
  • 3.50% APY* on balances as much as $10,000
  • 3.50% to 0.35% APY* on balances over $10,000 depending on balance in account*
  • 0.02% APY* on all balances 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 minimum balance to earn rewards
  • No monthly maintenance fee
  • $25 minimum deposit to open

Dividends

3.50% APY* | Balances of $0 – $10,000
0.35% APY* | Balances of $10,000+

See Our Rates

Earning rewards is easy!

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 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, don’t worry — your account is still free. And you can get right back to earning your cash rewards the very next cycle that you qualify.

Exclusive perks for members 65+.

Bank your way with our free Senior Checking account and the features you
want.

Overview

  • No monthly service fee
  • No minimum balance
  • Free standard checks (once per year)
  • Overdraft Protection options1
  • Free Online Banking
  • Free eStatements
  • Free Electronic Bill Payment
  • Mobile Banking with Mobile Deposit
  • Telephone Banking account access
  • Free Alltrust Debit Card
  • Unlimited check writing
  • Surcharge-free ATMs through the SUM® program1

Open your account today.

Open Account

1Certain requirements apply. Conveniently access your cash when on-the-go with the SUM program. Avoid ATM surcharges by using your Alltrust Debit MasterCard® at ATMs displaying the SUM logo. ATM withdrawal fees may apply.

The right start to a bright future.

Teach your teen the money skills they’ll depend on throughout their lives. This free account is for ages 16–18.2

Overview

  • No monthly service fee
  • No minimum balance
  • Overdraft Protection options3
  • Free Online Banking
  • Free eStatements
  • Mobile Banking with Mobile Deposit
  • Unlimited ATM withdrawals
  • Surcharge-free ATMs through the SUM® program
  • Eligible for a Alltrust Debit Card with Parental/Guardian Consent
  • At age 19, automatically transfers to Kasasa Cash Back account
  • Free initial order of Standard Checks (only eligible at age 18)

Open your account today.

Open Account

2Students under age 18 require a signature of a parent or legal guardian upon opening a checking account.
3Certain requirements apply.

Kasasa Saver

Kasasa Saver

Free account that builds your savings effortlessly

Link this free account to your Kasasa Cash Back® or Kasasa Cash® checking — and build savings automatically while earning high interest.

  • Links to free Kasasa Cash Back or Kasasa Cash checking
  • Automatic transfer of Kasasa Cash Back or Kasasa Cash rewards
  • 2.25% APY* on balances as much as $50,000
  • 2.25% to 0.35% APY* on balances over $50,000 depending on balance in account*
  • 0.02% APY* on all balances if qualifications are not met in Kasasa Cash Back® or Kasasa Cash®
  • No monthly maintenance fee or minimum balance to earn rewards
  • $25 minimum deposit to open

Qualifications to Earn the Higher Rate 

Qualifying for your Kasasa Cash Back or Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back or Kasasa Cash account during each Monthly Qualification Cycle.

Rates effective as of May 17, 2024.

*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, credit 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) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. Contact one of our branch service representatives for specific Monthly Qualification Cycle dates. “Banking Day” means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing. “Business Day” means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, June 19, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, June 19, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. “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. Contact one of our branch service representatives for specific Statement Cycle dates. Reward Information: Depending on what Kasasa account you have, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle: Kasasa Cash: average daily balances up to and including $10,000 in your Kasasa Cash account earn a dividend rate of 3.45% resulting in an APY of 3.50%; and average daily balances over $10,000 earn a dividend rate of 0.35% on the portion of the average daily balance over $10,000, resulting in a range from 0.35% to 3.50% APY depending on the account’s average daily balance. Kasasa Cash Back: you will receive 4.00% cash back on up to a total of $250 debit card purchases that post and settle to the account during that cycle period. A maximum of $10 cash back payments may be earned per Monthly Qualification Cycle. Kasasa Saver: average daily balances up to and including $50,000 in your Kasasa Saver account earn an APY of 2.25% and average daily balances over $50,000 earn a dividend rate of 0.35 % on the portion of the average daily balance over $50,000 resulting in a range from 0.35% to 2.25% APY depending on the account’s average daily balance. You will receive reimbursements up to an aggregate total of $25 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. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and: Kasasa Cash: the entire average daily balance in the Kasasa Cash account earns 0.02% APY. Kasasa Saver: the entire average daily balance in the Kasasa Saver account earns 0.02% APY. Dividends will be credited to your Kasasa Cash and Kasasa Saver accounts on the last day of the current statement cycle. The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle. If Kasasa Cash or Kasasa Cash Back are linked to Kasasa Saver, the following also apply: Kasasa Cash: When linked to a Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account balance is less than the transferred amount when the transfer occurs. Kasasa Cash Back: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle. APY = Annual Percentage Yield. APY calculations are based on an assumed balance of 10,000 + $100,000 in your Kasasa Cash account and 50,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change 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. Fees may reduce earnings. Additional Information: Membership restrictions may apply. Account approval, conditions, qualifications, limits, time frames, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open the account. $25 minimum deposit is required to open Kasasa Saver. One Direct Deposit or ACH credit payment, monthly E-Statements, and 12 debit card transactions 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 Kasasa Saver’s linked Kasasa Cash or Kasasa Cash Back account’s qualifications. Limit of one account per tax identification number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. Member MSIC. Trademarks: Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

We can’t wait to see what you’ll do next.

With one of our checking accounts, you’ll have us with you every step of the way.