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Get paid to bank in your community. Earn really high dividends and pay no monthly maintenance fee — ever.

Key Features

  • Really High Dividends
  • No Monthly Maintenance Fees
  • Free Digital Banking
  • Free Debit Card

Are you currently a member of United Consumers CU?

  • Free checking that pays high dividends
  • 2.00% APY* on balances up to $10,000
  • 2.00% to 0.32% APY on balances over $10,000 depending on balance in account*
  • 0.01% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
  • No monthly maintenance fees
  • No minimum balance to earn rewards
  • Free digital banking
  • Free Mastercard® debit card with CardValet®
  • Surcharge-free ATMs and shared branches available
  • Overdraft Protection plans for qualifying accounts
  • $100 minimum deposit to open

Earning your rewards couldn't be simpler.

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 credit, or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements 

So easy. 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 rate. And you can get right back to earning your full rewards the very next month.

Are you currently a member of United Consumers CU?

This disclosure contains the rules that govern your deposit account as of 1/1/2021

Account Overview:

Kasasa Cash: A free variable rate checking account with no minimum balance that rewards accountholders with dividends and nationwide ATM withdrawal fee refunds when they meet minimum qualifications during the account's Monthly Qualification Cycle.

Purpose and Expected Use of Account

This account is intended to be the accountholder's primary share draft account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled.

Commensurate with the spending activities identified above, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account's rewards and thus will be deemed inappropriate transactions and will not count toward earning the account's rewards.

United Consumers Credit Union reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different share draft account or closed altogether. We also reserve the right to convert the account to a different share draft account if the account does not have consistent active use over 6 consecutive Statement Cycles.

We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. A United Consumers Credit Union check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash account, any optional add-on products / services associated with this account will also be terminated at the same time.

Dividend Rate & Annual Percentage Yield (APY)


  • Compounding & Crediting:

    Dividends will be compounded on a monthly basis. Dividends will be credited to your Kasasa Cash account on the last day of the current statement cycle. If you close your account before the dividends are credited, you will not receive the accrued dividends. Dividends begin(s) to accrue on the business day you deposit noncash items (for example, checks).

    "Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.

     "Statement Cycle" means the period of time for which United Consumers provides a summary of the financial activities and transactions that post and settle to the accountholder's account.


  • Balance Computation Method:

    We use the daily balance method to calculate the dividends in your Kasasa Cash account. This method applies a periodic rate to the principal in the account each day for the period. The period we use is the Statement Cycle.


  • Dividend Rate & Annual Percentage Yield:

     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 1.98% resulting in an APY of 2.00%; and daily balances over $10,000 earn a dividend rate of .15% on the portion of the daily balance over $10,000, resulting in a range from .32% to 2.00% APY depending on the account's daily balance.

     When Kasasa Cash qualifications are not met, ATM withdrawal fees are not refunded and the dividend rate earned on the entire daily balance in the account will be .01% resulting in an APY of .01%;

Qualification Information:

To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 1 direct deposit or ACH credit transaction(s)
  • At least 12 PIN-based or signature-based debit card purchases
  • Be enrolled in and log into online banking
  • Be enrolled in and have agreed to receive e-statements rather than paper statements
  • Maintain a valid email address on record with credit union

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 and credit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit or credit 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 the current statement cycle.

"Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account.

Reward Information:

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 1.98% resulting in an APY of 2.00%; and daily balances over $10,000 earn a dividend rate of .15% on the portion of the daily balance over $10,000, resulting in a range from .32% to 2.00% 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 account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal 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 your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire daily balance will be .01% resulting in a non-compounding annual percentage yield of .01% and ATM withdrawal fees are not refunded.

Dividends will be credited to your Kasasa Cash account on the last day of the current statement cycle.

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing day of the following statement cycle.

APY = Annual Percentage Yield. APY calculations are based on an assumed balance of $10,000 + $100,000 in your Kasasa Cash 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.

Additional Information:

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.  $100 minimum deposit is required to open the account. Monthly Direct Deposit or ACH credit, enrollment in online banking, e-statements are a condition of this account. See accompanying schedule of Consumer Fees and Charges for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 1 Kasasa checking account per member. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA Your Savings Insured To $250,000. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.