Take back your banking with free checking that rewards you monthly. Free Kasasa Cash® earns up to 2.55% APY* plus refunds on your ATM fees, nationwide!*
There’s no minimum balance to earn rewards, and no monthly service fee. Just rewards that matter for doing banking basics that you’re probably already doing. Do you Kasasa®?

Benefits

• Free checking that rewards you in cash each month
• 2.55% APY* on balances up to $20,000
• 2.55% to 0.72% APY on balances over $20,000 depending on balance in account*
• 0.05% APY* if qualifications aren’t met
• Refunds on ATM fees, nationwide (up to $25 monthly)*
• No minimum balance to earn rewards
• No monthly service fee
• Free home banking
• Free E-Statements
• Free debit card
• Bill pay also available
• Unlimited check writing
• No minimum deposit to open

Learn more about our electronic services. [http://www.hefcu.org/products/electronic-services/]

It’s Easy to Qualify For Your Rewards

Just have the following transactions and activities post and settle to your free Kasasa Cash account each monthly qualification cycle:
• At least 15 debit card purchases
• At least 1 direct deposit or automatic payment (ACH)
• Be enrolled and agree to receive E-Statements

And that’s it! Even if you don’t qualify during the month, don’t worry — your account is still free, and you’ll still earn our base dividend rate. Plus, you can get right back to earning your full rewards the very next month!

*APY  = Annual Percentage Yield. APY’s accurate as of 07/01/2015. Rates and rewards are variable and may change after account is opened. Qualifying transactions must post and settle during monthly qualification cycle. “Monthly Qualification Cycle” includes the last business day of the previous month to one business day prior to the end of the last business day of the cycle month. When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $20,000 receive Annual Percentage Yield of 2.55%; and balances over $20,000 earn .35% dividend rate on the portion of balance over $20,000, resulting in a range from 2.55% to 0.72% APY depending on the account’s balance and (2) you will receive reimbursements up to $25.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle. An ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. ATM withdrawals do not count as qualifying debit card transactions. When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM fees are not refunded. Fees may reduce earnings. Account approval, conditions, and qualifications apply. No minimum deposit is required to open the account. 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact a member service representative for additional information. Federally insured by NCUA.

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