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Checking that rewards you
the way you want.

Choose a checking account that fits your lifestyle.

Checking Accounts

Rewards Checking Accounts

Whether it’s cash back or high dividends, we offer two different Kasasa Checking accounts to choose from. No matter which account you choose, our Kasasa Checking accounts provide you with a contactless debit card, refund your ATM fees nationwide,1 and never charge you a monthly service fee.

Kasasa CashKasasa Cash Back
Contactless Debit CardYesYes
Monthly Rewards6.00% APY2 paid on balances up to $10,000

0.03% APY2 paid even when qualifications aren't met.
4% cash back on debit card purchases up to $200.003
Refunds on ATM Fees, Nationwide*Up to $15 per month1Up to $15 per month1
Minimum Balance to Earn RewardsNoneNone
Monthly Service FeesNoneNone
Free Online/Mobile BankingYesYes
Free eStatementsYesYes
Minimum Deposit To OpenNoneNone

How To Earn Your Kasasa® Rewards

Complete the following simple transactions & activities (we call them “qualifications”) within your Kasasa Cash or Kasasa Cash Back checking account during each monthly qualification cycle:

  • Have at least 12 debit card transactions that post and settle
  • Be enrolled and receive eStatement notices
  • Be enrolled and log in to online banking once during the monthly qualification cycle

Looking to Grow Your Savings?

Link Kasasa Saver® to your Kasasa Cash or Kasasa Cash Back account and start saving automatically.

  • No monthly service fee with no minimum balance to earn rewards
  • Linked to Kasasa Cash or Kasasa Cash Back account
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back rewards
  • 1.50% APY on balances up to $15,0004
  • 0.50% APY on balances over $15,000 depending on balance in account4

Complete the qualifying transactions and activities in your Kasasa Cash or Kasasa Cash Back account and you also qualify for the highest Kasasa Saver.

1For each qualification cycle in which you meet your qualification requirements, UNCLE CU will reimburse up to $15 per qualification cycle in ATM transaction fees assessed at ATMs in the US by third-party ATM operators.
2APY = Annual Percentage Yield. If the Kasasa Cash checking account meets its qualification requirements during the qualification cycle, the balance up to $10,000 will earn 6.00% APY and any portion of the balance in excess of $10,000 will earn 0.50% APY; resulting in a range from 0.50% to 6.00% APY. The Kasasa Cash checking account will earn 0.03% APY if qualification requirements are not met during the qualification cycle.
34.00% of net UNCLE CU debit card purchases up to $200 are eligible for cash back rewards. No cash back will be earned in qualification cycles in which qualification requirements are not met. A maximum of $8.00 cash back may be earned per monthly qualification cycle.
4APY = Annual Percentage Yield. In qualification cycles in which the linked Kasasa Cash or Kasasa Cash Back checking account meets its qualification requirement, the Kasasa Saver account earns 1.50% APY on daily balances up to and including $15,000.00 and 0.50% APY on the portion of the daily balance over $15,000.00. This results in a range from 0.50% to 1.50% APY depending on the account’s daily balance. In qualification cycle months in which the linked Kasasa Cash or Kasasa Cash Back checking account does not meet its qualification requirements, the entire Kasasa Saver balance will earn 0.03% APY.
APY is variable and subject to change without notice after account opening. Fees may reduce earnings.  Kasasa account fees, benefits and rewards are subject to change without notice. Additional terms, conditions and restrictions apply; refer to the account agreement for details. Rates accurate as of 09/01/2023.
UNCLE CU is federally insured by NCUA. Kasasa, Kasasa Cash, Kasasa Cash Back, and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
Senior woman contemplating at home

Simply Checking

Your personal checking account with basic banking must-haves.

Not a big spender? Our easy simply checking account has no required minimum balance to open, no minimum balance to maintain the account, and earns no dividends.

You must maintain at least $5 (par value of a share) in your Regular Savings Account to maintain membership an be eligible to apply for any other UNCLE products and services such as Simply Checking.  Eligibility and restrictions apply.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency. Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Rates shown are current as of September 21st, 2023

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