Your eyes aren’t playing tricks on you. Get up to 5.00% APY* — just for keeping your money here in West Michigan.

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Key Features

  • Really High Dividends
  • Refunds on ATM Withdrawal Fees*
  • No Monthly Maintenance Fee
  • Free checking that pays high dividends
  • 5.00% APY* on balances up to $10,000
  • 5.00% to 0.68% 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
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Wide range of digital banking services:
    • Free online banking & bill pay1
    • Free mobile banking
    • Free eStatements
  • First debit card free2
  • $50 minimum deposit to open

This Way to 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 or ACH credit 
  • At least 15 debit card purchases
  • Be enrolled in and agree to receive eStatements

That's all there is to it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free, and you'll still earn our base rate. Plus, you can get right back to earning your full rewards the very next cycle that you qualify. If you fail to qualify for six consecutive months, you will be converted back to a Regular Checking.

*APY = Annual Percentage Yield. APYs accurate as of 02/01/2023. 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, credit card purchases, debit and credit card purchases processed by merchants and received by our credit union as ATM transactions, and purchases made with debit or credit card(s) not issued by our credit union. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. Reward Information: Balances up to $10,000 receive an APY of 5.00%, and balances over $10,000 earn 0.25% dividend rate on the portion of the balance over $10,000, resulting in 5.00% to 0.68% APY depending on the balance. Kasasa Saver: (Linked to a Kasasa Cash account): Balances up to $50,000 in your Kasasa Saver account receive an APY* of 0.5%, and balances over $50,000 earn 1.75% interest rate on the portion of balance over $10,000, resulting in a range from 1.75% to 0.75% APY* depending on the account’s balance. When Kasasa Cash qualifications are not met, no interest is earned and ATM fees are not reimbursed; if you have an added on Kasasa Cash Saver it will only earn 0.05% APY*. Dividends earned in Kasasa Cash are automatically transferred to Kasasa Saver each statement cycle If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Interest will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. Fees may reduce earnings. Rates and rewards are variable and may change after account is opened. ATM Fee Refunds: You will receive reimbursements up to $20 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM fee reimbursements will be credited to the account on the last day of statement cycle. ATM receipt must be presented within sixty (60) calendar days of transaction for individual ATM fees of $4.99 or higher in order to be considered for reimbursement. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 initial deposit is required to open the account. Monthly Direct Deposit/ACH credit/debit, enrollment in online banking, receipt of electronic statements are condition(s) of this account. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

1Bill pay is free only if it is used at least once per month — otherwise, a $5 monthly fee applies.

2First debit card is free. A charge of $10 applies for each additional debit card.

No Waits — or Papercuts

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