Checking Accounts

Qualification Information: To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your linked Kasasa Cash, Kasasa Cash Back or Kasasa Eats account during each Monthly Qualification Cycle:

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, [PIN-based, signature based] 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 the current statement cycle. "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 a member service 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: ¹Kasasa Cash: average daily balances up to and including $30,000 receive an APY of 5.50%; and average daily balances over $30,000.00 earn a dividend rate of 0.49886% on the portion of the average daily balance over $30,000.00, resulting in a range from 1.65% to 5.50% APY depending on the account's average daily balance. ²Kasasa Cash Back: you will receive 4.00% cash back on up to a total of $200.00 PIN-based or 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. ³Kasasa Eats: you will receive 4% cash back on up to a total of $300 in debit card purchases, made at grocery stores and food delivery services identified at https://offer.kasasa.com/eats-partners, that post and settle to your account during that cycle period. A maximum of $12 in cash back payments may be earned per Monthly Qualification Cycle. Your account's debit card may be used for any transaction but the account's cash back rewards are only valid at and only apply to debit card purchases made with one of our identified retailers. Please refer to https://offer.kasasa.com/eats-partners or visit one of our locations for a current list Kasasa Eats merchants. ⁴Kasasa Saver: average daily balances up to and including $100,000.00 in your Kasasa Saver account earn an APY of 2.00% and average daily balances over $100,000.00 earn a dividend rate of 0.49886% on the portion of the average daily balance over $100,000.00, resulting in a range from 1.25% to 2.00% APY depending on the account's average daily balance. ⁴You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash, Kasasa Cash Back or Kasasa Eats 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 Eats 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 0.05% APY. Kasasa Saver: the entire average daily balance in the Kasasa Saver account earns 0.05% APY. Dividends will be credited to your Kasasa Cash and Kasasa Saver accounts on the first processing/business day of the following 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 first processing/business day of the following 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 first processing/business day of the following statement cycle. Kasasa Eats: When linked to a Kasasa Saver account, the rewards payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Eats account will be credited to your Kasasa Saver account on the first processing/business day of the following statement cycle. *Annual Percentage Yield (APY) is accurate as of March 14, 2024. APY calculations are based on an assumed balance of 5.50% + $100,000 in your Kasasa Cash account and 2.00% + $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, timeframes, enrollments, log-ons and other requirements apply. Qualifications, rates, rewards, fees, account specifics and restrictions may vary by account. No minimum deposit is required to open the Kasasa Cash, Kasasa Cash Back, Kasasa Eats, or Kasasa Saver accounts. Monthly Direct Deposit/ACH credit, enrollment in online banking, enrollment in e-statements are conditions of Kasasa Saver's linked Kasasa Cash, Kasasa Cash Back, or Kasasa Eats accounts. Limit of 1 checking account per member. 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, Kasasa Cash Back, or Kasasa Eats 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. Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Eats and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Truth In Savings Disclosures: Kasasa Cash, Kasasa Cash with Saver, Kasasa Cash Back, Kasasa Cash Back with Saver, Kasasa Eats, Kasasa Eats with Saver.