Free Kasasa Cash Checking | Atlantic Federal Credit Union
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personal-checking

Free Kasasa Cash® Checking

Earn really high dividends on your balance, plus refunds on ATM withdrawal fees, nationwide!*

Kasasa Cash is a free checking account that earns really high dividends every month. It's a Kasasa® account, so you know it's packed with great rewards like earning refunds on ATM withdrawal fees, nationwide.* Plus, you'll have exclusive access to open our free Kasasa Saver® account that collects and grows these earned rewards automatically!

Kasasa® checking is part of a nationwide movement to reward people for banking locally. Money reinvested in our community is better for us all. Take a look below at the great features and benefits Kasasa Cash offers.

Details

Qualifying Is Easy

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

And that’s it! Even if you don’t meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you’ll still earn our base dividend rate and 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.
Open An Account Now

*APY = Annual Percentage Yield. Rates are subject to change without notice. When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $10,000 in your Kasasa Cash account earn a dividend rate of 0.70% resulting in an APY of 0.70%; and daily balances over $10,000 earn a dividend rate of 0.05% on the portion of the daily balance over $10,000, resulting in a range from 0.11% APY to 0.70% APY depending on the account's daily balance. 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% APY to 0.35% APY depending on the Kasasa Saver 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 account during that Monthly Qualification Cycle. Maximum $4.99 per transaction withdrawal fee. When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.02% resulting in a non-compounding annual percentage yield of 0.02% 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 calculations are based on an assumed balance of $10,000 + $100,000 in your Kasasa Cash account and $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 and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash and Kasasa Saver account on the last day of the current statement cycle. Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

  • [Tammy was very nice, as she professionally explained company procedure to me. Even though I didn’t totally agree at the first, I then understood how the Credit Union strives to protect the safety of our members' accounts.]

    Joe C.

  • [April] Thank you for your help the other day with my account. I just wanted to say that the way the Credit Union is operating now is very convenient. I like having an appointment as it eliminates waiting to see a teller or a representative and is much more organized.

    Regina

  • My husband and I have been long standing members of Atlantic Federal Credit Union. We needed a patient, thorough and professional person to assess our {needs}. Adam embodied all of these characteristics and more!! He was always responsive and guided us through the entire process. Even during Covid practices, I never once felt that the personal touch was lost. We are extremely happy with the process and proud to be a member.

    Clyde & Jacqueline
  • Atlantic Federal Credit Union, you have Always been available when I needed You!!
    Onee

  • Thank you so much for taking the time to show us how much your organization cares. This is why me and my family bank with your organization!

    Sonia
  • Member Services representative at the Kenilworth branch, Tammy, is amazing. She is knowledgeable, helpful, and most important to me: extremely courteous. Tammy deserves a huge shout-out!
    Leta
  • Always a great experience with the employees. The tellers always offer help or suggestions. Ginny, Nara, and Donna are awesome!
    Ivy

  • I want to thank you, Adam for all your work with my loan app. You have been such a blessing to me. You are an asset to the Credit Union.

    Viola
  • The best Credit Union I ever used!
    Eugene
  • What a great Credit Union…even before I was a member I felt welcomed. I love the customer service, your mobile app and your services.  Keep up the excellent work, you have me as a member for life.
    Kirkston
  • I've been with Atlantic Federal for more than 20 years. Great customer service  and I love the Holiday and Vacation Clubs.
    Wanda
  • Thank you! Great customer service, great products! I left the “big” banks; now Atlantic Federal is my primary bank.
    Ty
  • I’ve been an Atlantic Federal member for years!  I'm very satisfied with the service.
    Nelly
  • I’ve been a member of MY CREDIT UNION since 2001.  I wouldn’t EVER go anywhere else.  Atlantic Federal is my family.  There are too many pleasant and courteous staff members to try to name!
    Chamecca
  • Very good place to bank at – loans have very low interest and the Atlantic Federal staff is so easy to deal with. Great service!
    LaQuan

  • My experience with Atlantic Federal has been exceptional!  I have told anyone who will listen how great the Credit Union's service is.

    Halima

  • Working with you guys was basically a complete 180 from working with the last bank…so thank you again and we will absolutely be recommending you to all of our friends who are looking for mortgages.

    Heather

  • Yvana has been my go to person at the Credit Union for many years.  I know that whenever I have an issue I can always call on her at any time and she won't hesitate to help me out. Recently, my debit card was compromised and I noticed it after business hours so I wasn't sure of the proper protocol.  I called Yvana, she walked me through the entire process and I came in the next morning to resolve the issue with Eileen, who was also a great help.  The Credit Union is lucky to have such dedicated employees.

    Justin

  • I was worried about how I was going to fund some of my daughter's college tuition. Well thank goodness for Ms. Magaly. She told me to sit down, relax and explain my needs. I was truly expecting to be denied once again like at one of those banks that I've dealt with in the past.  Then she said "We have a loan that fits your needs and you qualify!"  All my worries suddenly went away. I can say that she definitely puts the members first.

    Nathaniel

  • I made it to the Kenilworth branch just before the 5 pm closing.  Even though it was late, Roberto patiently processed my loan – I’m sure on his own time. Then there’s Karina, who is so helpful and always has a smile. If I had a company, these people would be working for me!  You’re lucky to have staff members of this caliber!

    Ed

  • I am writing today to commend Lynn and express my gratitude for the high quality customer service she always provides whenever I call the Credit Union.  She is professional, courteous and patient.  I can feel her smile each and every time we talk on the phone.

    Elissa

  • I recently had an emergency and needed a Home Equity loan quickly.  My initial contact was with Aida and the loan was finalized by Sabrina.  This was a very stressful time for me and both of these women were professional, patient, knowledgeable and considerate. They answered all of my questions, explained the various options as well as the process.  They are an asset to the Credit Union.

    Sandra