Free Kasasa Cash Back Checking | Atlantic Federal Credit Union
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Free Kasasa Cash Back® Checking

Earn cash back on debit card purchases every month! This free account has no minimum balance requirements, and even more — you’ll receive ATM withdrawal fee refunds too!

Kasasa Cash Back is free checking that pays you cash back on debit card purchases every month!* Other great rewards are included too — like refunds on your ATM withdrawal fees, nationwide.* Plus, you’ll have exclusive access to open our free Kasasa Saver® account to collect and grow earned rewards automatically!

Kasasa® accounts are part of a movement to reward people for banking locally. As you know, money reinvested in our community is better for us all. Take a look below at some of the features and rewards Kasasa Cash Back offers.


Qualifying Is Easy

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

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive E-Statements
  • At least one direct deposit or ACH credit transaction

That’s just how simple it is! Don’t worry if you don’t meet your qualifications during the cycle — your Kasasa Cash Back account is still free. Even more, can get right back to earning your full rewards the very next month!

Already have our Basic Checking or Benefits Plus Checking? Easily convert to one of our free Kasasa Checking accounts. Download a Kasasa Conversion form here.

*APY = Annual Percentage Yield. When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 5.00% cash back on up to a total of $200 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $10 cash back payments may be earned per Monthly Qualification Cycle. In addition, daily balances up to and including $20,000 in your Kasasa Saver account earn a dividend rate of 0.35% resulting in an APY of 0.35%; and daily balances over $20,000 earn a dividend rate of 0.05% on the portion of the daily balance over $20,000, resulting in a range from 0.10% to 0.35% APY depending on the account's daily balance. You will receive reimbursements up to an aggregate total of $20 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. Maximum $4.99 per transaction withdrawal fee. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. In addition, the entire daily balance in the Kasasa Saver account earns a dividend rate of 0.02% resulting in an annual percentage yield of 0.02% APY. APY calculations are based on an assumed balance of 20,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. You will automatically qualify for the account's rewards during your account's first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards. Account requirements per Monthly Qualification cycle: (1) at least 1 direct deposit or ACH credit transaction, (2) at least 12 PIN-based/signature-based debit card purchases and (3) be enrolled in and have agreed to receive e-statements rather than paper statements. Dividends, cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle. Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.