Compare Our Accounts

Free Kasasa Cash Checking:

*To earn your account’s rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash – Multi-Level account during each “Monthly Qualification Cycle”:

Principle Qualifications:

o   Have a minimum of one ACH debit, or one direct deposit, or one bill pay transaction post and settle your account;

o   Have a minimum of 10 debit card purchases post and settle your account

o   Be enrolled in and agree to receive e-statements rather than paper statements

Enhanced Qualifications:

o   Have a minimum of one ACH debit, or one direct deposit, or one bill pay transaction post and settle your account;

o   Have a minimum of 30 debit card purchases post and settle your account

o   Be enrolled in and agree to receive e-statements rather than paper 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 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. 

Dividend Rate and Annual Percentage Yield: This is a variable rate account. The dividend rate and annual percentage yield may change. The dividend rate is determined at our discretion, and we may change the dividend rate on your account at any time, without any limitations, and without notice to you. When your Kasasa Cash-Multi-Level account qualifications are met during a Monthly Qualification Cycle:

Principle Rewards:  (1) average daily balances up to and including $15,000 in your Kasasa Cash account earn a dividend rate of 2.48% resulting in an APY of 2.51%; and average daily balances over $15,000 earn a dividend rate of 0.49% on the portion of the average daily balance over $15,000, resulting in a range from 2.51% to 0.76% APY depending on the account's average daily balance and (2) you will receive reimbursements up to $25 for nationwide ATM fees incurred during the “Monthly Qualification Cycle” in which you qualified.

or

Enhanced Rewards: (1) average daily balances up to and including $15,000 in your Kasasa Cash account earn a dividend rate of 5.85% resulting in an APY of 6.01%; and average daily balances over $15,000 earn a dividend rate of 0.49% on the portion of the average daily balance over $15,000, resulting in a range from 6.01% to 1.22% APY depending on the account's average daily balance and (2) you will receive reimbursements up to $25 for nationwide ATM fees incurred during the “Monthly Qualification Cycle” in which you qualified.

When your Kasasa Cash-Multi-Level account qualifications are not met during a Monthly Qualification Cycle: Principle & Enhanced Rewards:   the entire average daily balance in the Kasasa Cash-Multi-Level account earns a dividend rate of 0.05% resulting in an annual percentage yield of 0.05% APY and ATM fees are not refunded.

APY = Annual Percentage Yield. APY is accurate as of 09/01/2023. 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. 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. $5 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. 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.

American Share Insurance insures each account up to $250,000. Excess Share Insurance Corporation provides up to an additional $750,000 of insurance per account. This institution is not federally insured. Members' accounts are not insured or guaranteed by any government or government-sponsored agency. 

Free Kasasa Cash Back Checking:

^To earn your rewards just do the following transactions and activities in your Kasasa Cash Back 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 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. Reward Information: When your Kasasa Cash Back account qualifications are met during a “Monthly Qualification Cycle”, you will receive: (1) 4.00% cash back on debit card purchases up to a total of $250.00 that post and settle to the account during “Monthly Qualification Cycle”. A maximum of $10.00 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. 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 Cash Back 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 Cash Back 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. $5 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 Cash Back 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. Members’ accounts are not insured or guaranteed by any government or government-sponsored agency.

Free Kasasa Eats Checking:

◊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 https://www.kasasa.com/eats-partners, 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 https://www.kasasa.com/eats-partners 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. $5 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.

Free Kasasa Play Checking:

†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 https://www.kasasa.com/play-partners, 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 https://www.kasasa.com/play-partners 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. $5 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.