Free Kasasa Saver Account | Atlantic Federal Credit Union
Skip to main content
Routing #: 221276370

Mobile App:

Download our Android app on Google PlayDownload our iOS app on the App Store

Text Size:

Visit Atlantic Federal Credit Union Linkedin page Visit Atlantic Federal Credit Union Facebook PageVisit Atlantic Federal Credit Union Twitter Icon Visit Atlantic Federal Credit Union Youtube Channel

Free Kasasa Saver® Account

Collect and grow your earned Kasasa checking rewards instantly and effortlessly!

Link your Kasasa Cash® or Kasasa Cash Back® checking account to this free account that pays a high rate and helps you save automatically. Kasasa Cash and Kasasa Cash Back checking account holders have exclusive access to open this free account built to maximize Kasasa® checking rewards!

Kasasa® accounts are part of a movement to reward people for banking locally. When money is reinvested in our community, (instead of the pockets of megabanks), it’s better for us all. Check out some of the great features and benefits Kasasa offers below.


  • Free account that builds your savings effortlessly
  • Free Kasasa Cash or Kasasa Cash Back checking
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
  • 0.35% APY* on balances up to $20,000
  • 0.05% APY on balances over $20,000 depending on balance in account*
  • 0.02% APY* if qualifications are not met in Kasasa Cash or Kasasa Cash Back
  • No minimum balance requirements or monthly maintenance fees
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
  • Free Online Banking and Bill Pay
  • Free Mobile Banking with account balance, transfer and Remote Deposit features
  • Free E-Statements
  • No minimum deposit to open

Qualifying Is Easy

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or 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 payment transaction

And it’s just that easy! Even if you don’t qualify, your Kasasa® accounts are still free and you still earn the Kasasa Saver base dividend rate! Even more, you 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. Rates are subject to change without notice. When Kasasa Cash or Cash Back qualifications are met during a Monthly Qualification Cycle, 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. When Kasasa Cash or Cash Back qualifications are not met during a Monthly Qualification Cycle, 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%. Note: Interest in Kasasa Cash does not compound because it is automatically transferred to the Kasasa Saver account within one day. Note: Automatic transfer may cause an overdraft to your Kasasa Cash or Kasasa Cash Back account if the account's balance is less than the transferred amount when transfer occurs. 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 or Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle. Kasasa Cash, Kasasa Cash Back 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.

  • 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!!
  • 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!

  • 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!
  • Always a great experience with the employees. The tellers always offer help or suggestions. Ginny, Nara, and Donna are awesome!
  • 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.

  • The best Credit Union I ever used!
  • 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.
  • I've been with Atlantic Federal for more than 20 years. Great customer service  and I love the Holiday and Vacation Clubs.
  • Thank you! Great customer service, great products! I left the “big” banks; now Atlantic Federal is my primary bank.
  • I’ve been an Atlantic Federal member for years!  I'm very satisfied with the service.
  • 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!
  • Very good place to bank at – loans have very low interest and the Atlantic Federal staff is so easy to deal with. Great service!
  • My experience with Atlantic Federal has been exceptional!  I have told anyone who will listen how great the Credit Union's service is.

  • 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.

  • 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.

  • 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.

  • 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!

  • 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.

  • 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.