Kasasa®

Kasasa®

Kasasa_Pocket_vertSpending money to make money can make sense. But not when it comes to checking accounts. That’s why we proudly offer Kasasa® — free checking accounts that reward you, with no minimum balance or monthly service fees to worry about.

Free Kasasa Cash®

Free Kasasa Cash Back®


 

Free Kasasa Cash®

Get a checking account that pays you, not the other way around. Choose Kasasa Cash® — a free checking account that pays up to 2.75% APY on your balance.

You’ll also get paid in refunds on your ATM fees from any ATM you use in the United States. That’s Kasasa® — simple, free accounts that reward you for banking with us.

Benefits

  • 2.75% APY on balances up to $10,000
  • 0.25% APY on balances over $10,000
  • .03% APY if qualifications aren’t met
  • Refunds on ATM fees, nationwide (up to $20 monthly)
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking & bill pay
  • Free mobile banking
  • Free eStatements
  • Free Visa® debit card
  • Unlimited check writing
  • $25 minimum deposit to open

Just meet a few easy qualifications to earn your rewards.

To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have a debit card and have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

If you don’t meet your qualifications, don’t worry.

You still have a free account and you’ll still earn our base rate. Plus, you can get right back to earning your full rewards the very next cycle.


Free Kasasa Cash Back®

Get cash back on the things you actually buy. Free Kasasa Cash Back® checking pays 3.50% cash back on your monthly debit card purchases.

You’ll also get refunds on your ATM fees, nationwide. That means you can get the cash you need, when you need it — whether you’re in Springfield, Urbana, or anywhere else!

Benefits

  • 3.50% cash back on debit card purchases
    • No category restrictions on purchases
    • Cash back earned on up to $200 in purchases monthly
    • Earn up to $7 cash back per month
  • Refunds on ATM fees, nationwide (up to $20 monthly)
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking & bill pay
  • Free mobile banking
  • Free eStatements
  • Free Visa® debit card
  • Unlimited check writing
  • $25 minimum deposit to open

Just meet a few easy qualifications to earn your rewards.

To earn your rewards, just do the following transactions and activities in your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

If you don’t meet your qualifications, don’t worry.

You still have a free account. Plus, you can get right back to earning your cash rewards the very next cycle.


*Qualification Information: Qualifications vary by account. Account transactions and activities may take one or more 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, nonretail payment transactions and purchases made with debit cards not issued by our credit union. “Monthly Qualification Cycle” means a period beginning on the first calendar day of the month and ending the last calendar day of the month.

Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive one of the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle: Interest on your checking balances (Kasasa Cash), Cash back on debit card purchases (Kasasa Cash Back) and Reimbursements for iTunes, Amazon.com & Google Play purchases (Kasasa Tunes). In addition, you will receive reimbursements up to $20.00 ($4.99 per single transaction) for nationwide domestic ATM fees incurred during the Monthly Qualification Cycle in which you qualified. Nationwide domestic ATMs refers to ATMs that we do not own. Internal ATM surcharges incurred after ten (10) free during the qualification period will not be reimbursed. ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursement of individual ATM fees of $5.00 or higher. Depending on your Kasasa account, when your qualifications are not met, only non-qualifying dividends are earned, other reward distributions are not made and ATM fees are not refunded. Account rewards and ATM fee reimbursements will be credited to your Kasasa account on the first business day of the following month.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Enrollment in online banking, monthly log-on to online banking, receipt of electronic statements and twelve (12) IH Credit Union debit card Point-of-Sale purchases that post and settle to the account during each qualification period are conditions of this account. Limit one (1) account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.  Kasasa, Kasasa Cash, Kasasa Cash Back, and Kasasa Tunes are trademarks of BancVue, Ltd., registered in the U.S.A. This financial institution is not Federally insured. American Share Insurance insures each account up to $250,000. Excess Share Insurance Corporation provides up to an additional $250,000 of insurance per account.