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Earn cash back on debit card purchases with grocery stores and delivery services — plus refunds on ATM withdrawal fees.

Key Features

  • Free checking that pays for meals and groceries 
  • 5.00% cash back on debit card purchases with select grocery stores and delivery services 
    • Cash back earned on as much as $300 in purchases monthly 
    • Earn as much as $180 cash back per year, $15 per month 
    • Stores and services include Market Basket, Walmart, Costco, DoorDash, and many more
    • View the list of eligible grocery stores and delivery services
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)
  • Link to Kasasa Saver® to build savings automatically
  • 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

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Eats™ account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH credit, ACH payment, or bill pay transaction
  • At least 10 debit card purchases
  • Be enrolled in and agree to receive eStatements  

That's it! Even if you don't meet your qualifications during the cycle, your Kasasa Eats account is still free. Plus, you can get right back to earning your rewards the very next month.

◊To earn your rewards just do the following transactions and activities in your Kasasa Eats 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 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 account 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. In order to properly distribute the account’s cash back payments; the description field, within the debit card transaction record we receive, must identify one of our current Kasasa Eats merchants.  If you feel we have not properly identified a valid debit card transaction, please bring the transaction receipt to one of our locations, within sixty (60) days of purchase, so we can research and adjust your rewards, as necessary.  Reward Information: When your Kasasa Eats account qualifications are met during a “Monthly Qualification Cycle”, you will receive: (1) 5% cash back on up to a total of $300 in debit card purchases, made at grocery stores and food delivery services identified at, that post and settle to your account during “Monthly Qualification Cycle”. A maximum of $15.00 cash back may be earned per “Monthly Qualification Cycle” and (2) you will receive reimbursements up to $25 for nationwide ATM fees incurred during the “Monthly Qualification Cycle” in which you qualified. Your account's debit card may be used for any transaction but the account's cash back rewards are only valid at and only apply to debit card purchases made with one of our identified retailers. Please refer to or visit one of our locations for a current list Kasasa Eats merchants. 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. When Kasasa Eats qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Eats 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 service 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 Eats are trademarks of Kasasa Ltd., registered in the U.S.A.

American Share Insurance Your savings insured up to $250,000 per account. By members’ choice, this institution is not federally insured but insured by American Share Insurance. Members’ accounts are not insured or guaranteed by any government or government-sponsored agency.