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Choose free checking that helps pay for your favorite streaming services — plus refunds on ATM withdrawal fees, nationwide.

Key Features

  • Free checking that pays you to enjoy the content you care about 
  • Earn refunds on debit card purchases for music, video, gaming, and other select streaming services monthly
    • Earn as much as $180 cash back per year, $15 per month 
    • Streaming services include Spotify®, Netflix®, Twitch®, and many more 
    • View the list of eligible streaming 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 Play™ 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 Play 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 Play 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. Transactions and activities may take one or more banking days 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. 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 Play 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 Kasasa Play qualifications are met during a “Monthly Qualification Cycle”, you will receive: (1) up to an aggregate total of $15.00 (which includes any applicable taxes) on debit card purchases, made with music, video, gaming and other digital streaming services identified at, that post and settle to the account during the “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 streaming services' refunds are only valid at and will only be applied to debit card purchases made with one of our identified retailers. Refer to or visit one of our locations for a current list Kasasa Play 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 Play qualifications are not met, debit card purchases, and ATM withdrawal fees are not refunded. Debit card refunds and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Play 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, logons and other requirements apply. $25 minimum deposit is required to open 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 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 receive the account’s rewards. Contact a MCT Credit Union service representative for additional information, details and enrollment instructions. Kasasa and Kasasa Play is a trademark 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.