Do simple things. Earn high dividends. And never pay a monthly maintenance fee. Ready to Kasasa®?
- Really High Dividends
- Refunds on ATM Withdrawal Fees*
- No Monthly Maintenance Fees
- Free checking that pays high dividends
- 3.00% APY* on balances up to $10,000
- 3.00% to 0.50% 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 $20 monthly)*
- Link to free Kasasa Saver® to build savings automatically
- Add Kasasa Protect® for comprehensive fraud protection*
- No minimum balance to earn rewards
- No monthly maintenance fees
- Free digital banking, including:
- Free online banking with bill pay
- Free mobile banking
- Free e-statements
- Free Mastercard® debit card
- $50 minimum deposit to open
Here’s How You Qualify
Hint: It’s 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, each greater than $4.99
- Be enrolled in and agree to receive e-statements
- Be enrolled in and log into online banking
We told you so! Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base dividend rate. And you can get right back to earning your full rewards the very next month.
Want to know when you'll qualify for rewards? See our Kasasa Cycle Dates (PDF).
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, PIN-based, signature based debit card purchases less than $4.99, 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 a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. See our website at www.milehighfcu.org or contact one of our service representatives for specific Monthly Qualification Cycle dates.
"Banking Day" means any business 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.
"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, 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, 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. See our website at www.milehighfcu.org contact one of our service representatives for specific Statement Cycle dates.
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $10,000.00 in your Kasasa Cash account earn a dividend rate of 2.95% resulting in an APY of 3.00%; and daily balances over $10,000.00 earn a dividend rate of 0.2499% on the portion of the daily balance over $10,000.00, resulting in a range from 3.00% to 0.50% APY depending on the account's daily balance. You will receive reimbursements up to an aggregate total of $20.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash 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.
When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.0499% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Dividends will be credited to your Kasasa Cash account on the last day or within three days of the current statement cycle.
Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day or within three days of the current statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 12/31/2019.
APY calculations are based on an assumed balance of $10,000.00 + $100,000 in your Kasasa Cash 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 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.
Membership restrictions may apply.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50.00 minimum deposit is required to open the account.
Monthly PIN-based/signature-based debit card purchases , enrollment in and log-ons to online banking, be enrolled and have agreed to receive e-statements rather than paper statements are qualifications of this account(s).
Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications.
Limit of one (1) account(s) per social security 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, business accounts, trust accounts, organizational accounts, estate accounts, or rep payee accounts. If the account is closed, you will forfeit any rewards that have not been credited to your account.
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, your savings insured to $250,000 per account.
Trademarks: Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.