Do a little, get a lot. Earn rewards just for using your account. And never pay monthly maintenance fees.
Really High Dividends
Refunds on ATM Withdrawal Fees*
No Monthly Maintenance Fees
- Free checking that pays high dividends
- 2.00% APY* on balances up to $7,500
- 2.00% to 0.22% APY on balances over $7,500 depending on balance in account*
- 0.05% APY* if qualifications aren't met
- Unlimited refunds on ATM withdrawal fees, nationwide*
- No minimum balance to earn rewards
- No monthly maintenance fees
- Unlimited check writing
- Free digital banking
- Free Visa® debit card
- $25 minimum deposit to open
Please note: having at least 1 direct deposit is a condition of having this account.
It’s easy to earn your rewards
It's so easy to qualify, you're probably already doing it. 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 bill pay or ACH payment transaction
- At least 12 debit card purchases
- Be enrolled in and agree to receive e-statements
- Be enrolled in and log into online banking
That's it. 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 interest rate. And you can get right back to earning your full rewards the very next month.
The monthly qualification cycle is the same as the monthly statement cycle. Monthly dividends and ATM refunds are deposited within five (5) business days after the end of the monthly qualification cycle.
*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account. All transactions and activities 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 NSP St Paul Credit Union as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by NSP St Paul 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 the first calendar day of the current statement cycle through the last calendar day of the current statement cycle. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $7,500.00 receive APY of 2.00%; and balances over $7,500.00 earn an interest rate between 2.00%-0.22% APY depending on the account’s balance and (2) you will receive reimbursements (maximum amount per withdrawal of $4.99) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursement of individual ATM withdrawal fees higher than $4.99 within 60 calendar days of the transaction. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received the appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Kasasa Cash qualification are not met, all balances in the account earn 0.05% APY and ATM withdrawal fees are not refunded. Interest and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 06/01/2016. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account requirements apply. $25.00 minimum deposit is required to open the account. Monthly Direct Deposit or ACH credit, enrollment in online banking, receipt of electronic statements are a condition of this account. Enrollment in electronic services (e.g. online banking, electronic statements, and logons) may be required to meet some of the account's qualifications. Limit 1 account per social security number. There are no recurring monthly service 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 are trademarks of Kasasa, Ltd., registered in the USA.