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Kasasa Cash: *To earn your rewards just do the following transactions and activities in your Kasasa Cash account during each “Monthly Qualification Cycle”: 1) Have a minimum of ten debit card purchases post and settle your account; 2) Have a minimum of one ACH debit, or one direct deposit, or one bill pay transaction post and settle your account; 3) Be enrolled in and agree to receive e-Statements. "Monthly Qualification Cycle" is a period beginning two business days prior to the first day of a calendar month through two business days prior to the last day of a calendar month. Transactions posted and settled on the last two business days will qualify for next month's qualifications. Qualification Information: Account transactions and activities may take one (1) or more “Banking Days” from the date the transaction or activity occurred 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. "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. The following activities do not count toward earning rewards: ATM processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our Credit Union as ATM 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. Reward Information: When your Kasasa Cash account qualifications are met during a “Monthly Qualification Cycle”, (1) Balances up to $20,000 earn a dividend rate of 1.99%; and balances over $20,000 earn a dividend rate of 0.25% on the portion of balance over $20,000, resulting in a range from 2.01% to 0.54% APY depending on the account’s balance and (2) you will receive reimbursements up to $25 for nationwide ATM fees incurred during the “Monthly Qualification Cycle” in which you qualified. APY = Annual Percentage Yield. APY is accurate as of 04/01/2020.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 an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. No minimum balance is required to earn or to receive the account’s rewards. When Kasasa Cash qualifications are not met, all balances in the account earn 0.13% APY and ATM fees are not refunded. Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the first processing day of the following “Statement Cycle”. “Statement Cycle" means the period of time for which MCT Credit Union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open the 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 to open or close this account. No minimum balance is required to earn or to receive the account’s rewards. Contact a MCT Credit Union service representative for additional information, details and enrollment instructions. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

*By members’ choice, this institution is not federally insured but insured by American Share Insurance.

(old) Kasasa Cash Back:

*APY=Annual Percentage Yield. APYs accurate as of 02/01/2014. Rates may change after account is opened. Minimum to open is $25 for Kasasa Cash Back and $25 for Kasasa Saver. When monthly qualifications are met, you will receive 2.50% cash back on debit card purchases that post and settle to account during monthly qualification cycle up to a total cash back of $7.50 per monthly qualification cycle. Domestic ATM fees incurred using Kasasa Cash Back debit card during qualification cycle will be reimbursed up to $25 if qualifications are met within monthly qualification cycle. Qualifying transactions must post and settle to account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means the period beginning two days prior to the first day of the calendar month through two days prior to the last day of the calendar month. Kasasa Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. If qualifications in Kasasa Cash Back are met each monthly qualification cycle: (1) balances up to $25,000 in Kasasa Saver receive an APY of 0.75%; and (2) balances over $25,000 in Kasasa Saver earn 0.25% interest rate on the portion of the balance over $25,000, resulting in 0.75% - 0.35% APY depending on the balance. If qualifications are not met on Kasasa Cash Back, all balances in the Kasasa Saver earn 0.13% APY. Transfers between accounts do not count as qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Excludes business checking accounts. Contact a member services representative for more details.


Additional Information: Account approval, conditions, qualifications, enrollments, log-ons and other requirements apply. A $25 minimum deposit is required to open the account. Monthly enrollment in online banking, receipt of electronic statements, having an active MCT Credit Union debit card and maintaining a valid email address with our institution are conditions 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 one account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact a member services representative for additional information.

(old) Kasasa Tunes:

* The minimum to open account is $25. You will be refunded up to $15.00 for iTunes® and/or Amazon. com® purchases that post and settle to account during the first 60 days after you open account. Refunds will be credited to account on the last day of statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $7.50 in refunds of iTunes and/or Amazon.com purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made with debit card associated with your Kasasa Tunes account. Qualifying transactions must post and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from date transaction was made to post and settle to account. ATM-processed transactions do not count toward qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 if qualifications are met within monthly qualification cycle. iTunes is a registered trademark of Apple, Inc. and Amazon.com is a registered trademark of Amazon Inc. Apple Inc. and Amazon Inc. are not participants in or sponsors of this program. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.


Additional Information: Account approval, conditions, qualifications, enrollments, log-ons and other requirements apply. A $25 minimum deposit is required to open the account. Monthly enrollment in online banking, receipt of electronic statements, having an active MCT Credit Union debit card and maintaining a valid email address with our institution are conditions 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 one account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact a member services representative for additional information.