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Never stop growing your balance with free checking that earns high dividends, plus refunds on ATM withdrawal fees.*

Key Features

  • High Dividends
  • Refunds on ATM Withdrawal Fees*
  • No Monthly Maintenance Fees
  • No Minimum Balance Requirements
  • Free checking that pays high dividends
  • 2.48% APY* on balances up to $20,000
  • 2.51% to 2.48% APY on balances over $20,000 depending on balance in account*
  • 0.13% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 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 services, including:
  • Free Visa® debit card
  • $25 minimum deposit to open

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 10 debit card purchases
  • At least 1 ACH debit, 1 direct deposit, or 1 bill pay transaction
  • Be enrolled in and log into online banking
  • Be enrolled in and agree to receive e-Statements

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 dividend rate. And you can get right back to earning your full rewards the very next month.

*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 log into online banking monthly; 4) 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 qualification. 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 receive APY of 2.48%; and balances over $20,000 earn 0.25% interest rate on the portion of balance over $20,000, resulting in a range from 2.51% to 2.48% 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 12/01/2019. 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.