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Earn really high dividends — up to 2.50% APY* — plus up to $25 a month in refunds on ATM fees, nationwide.*

Details
  • Free checking that pays high dividends
    • 2.50% APY* on balances up to $10,000
    • 2.50% to 0.45% APY on balances over $10,000 depending on balance in account*
    • 0.05% 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
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free online banking & bill pay
  • Free eStatements
  • Free mobile banking with mobile deposit
  • Free Visa® debit card
  • No minimum deposit to open

How to Earn Really High Dividends

We’ve made it easy to earn your rewards. In fact, you’re probably already doing most, if not all, of these things already. 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 1 direct deposit, ACH payment, or bill pay transaction
  • At least 12 debit card purchases
  • Be enrolled in and log into online or mobile banking 

That’s it! And if for some reason you don’t qualify one month, don’t worry. Your account is still free, and you’ll still earn our base dividend rate. You can get back to earning your full rewards the very next month.

IDProtect® Add-On
Add ID Protect® to your account for a $5.00 monthly service charge. You can rest easy knowing that IDProtect, our identity theft monitoring and resolution service, can help better protect your identity.

Identity Theft Expense Reimbursement Coverage1: Receive up to $10,000 to help pay expenses, clear your name and help recover your identity, should you become the victim of identity theft.

Comprehensive Identity Theft Resolution Services: Should you suffer identity theft, your very own IDProtect fraud resolution specialist will help you every step of the way until your identity is restored.

Debit and Credit Card Registration: Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards (Registration/activation required.)

Credit File Monitoring2: Daily credit file monitoring and automated alerts of key changes to your credit report. (Registration/activation required.)

Credit Report: Request an updated credit report once a year. (Registration/activation required.)

Credit Score: Receive a new single bureau credit score with every new credit report. Credit Score is a VantageScore 3.0 based on Equifax credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. (Registration/activation required.)

Total Identity Monitoring: Monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan and if your scan reflects a high-risk score, you will be notified. (Registration/activation required.)

Online Identity Theft News Center and Valuable Phone and Web Resources (Registration/activation required.)

1Special Program Notes: The description herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance.

2Credit file monitoring from Experian and TransUnion will take several days to begin following activation.

Insurance Products are not insured by NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the Credit Union or any Credit Union Affiliate.

Are you currently a member of Sky Federal Credit Union?

*Qualification Information: 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, 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. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $10,000 receive APY of 2.50%; and balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000, resulting in a range from 2.50% to 0.45% APY depending on the account’s balance and (2) you will receive reimbursements up to an aggregate total of $25 (max. $4.99 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. 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 qualifications are not met, all balances in the account earn 0.05% APY and ATM withdrawal fees are not refunded.  Dividends and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle.  APY = Annual Percentage Yield.  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. No minimum deposit is required to open the account.  Receipt of electronic statements is a condition of these accounts. 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 one (1) account per social security number. There are no recurring monthly maintenance 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. Federally insured by NCUA.  Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.