ALL U.S. Credit Union - Positively Different

Free Kasasa Cash® Checking

You deserve free checking that puts you first. That's why we offer Kasasa Cash® - free checking that rewards you just for doing banking basics that you're probably already doing.

Earn up to 1.51% APY* each month, along with refunds on your ATM fees.* Build your savings automatically by connecting your account to a free Kasasa Saver®.

Kasasa CheckingBenefits

Easy Qualifications to Earn Your Rewards

To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

That's it. Even if you don't meet your qualifications during the cycle, you still have a free account. Plus, you'll still earn our base dividend rate - and you can get right back to earning your full rewards the very next qualification cycle.

*Account Terms of Service

Kasasa Calendar



Qualification Date

To earn the Kasasa Cash interest and ATM refunds, you must meet all the qualifications by 7:00 PM EST on the business day before the last business day of the month. This is referred to as your Qualification Date. Transactions posted to your account after 7:00 PM EST on the Qualification Date will count towards meeting the Kasasa qualifications for the next month's statement cycle. The Qualification Dates are reflected in the calendar below as a blue box around the date.



Interest and ATM fee refund date

Interest and ATM fee refunds (if your account qualifies) will be automatically deposited to your account on the first business day following the Qualification Date. The dates for interest payments and ATM fee refunds are reflected below by a green circle around the date.

Kasasa Product Home




To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

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We appreciate your decision to open a deposit account with allU.S. Credit Union. This schedule sets forth certain conditions, rates, fees, and charges that are specific to your account. Each account holder agrees to the terms set forth on this Deposit Account Rate and Fee Schedule, and acknowledges that it is a part of the Account Agreement. Subject to applicable law and the terms of the Account Agreement, we may amend the rates, fees, and charges contained in this schedule from time to time.

Account Overview: Kasasa Cash is a free, variable rate checking account with no minimum balance requirement that rewards accountholders with interest and nationwide ATM fee refunds when they meet minimum qualifications during the account's Monthly Qualification Cycle.

Purpose and Expected Use of Account: The Kasasa Cash account is intended to be the accountholder's primary checking account in which payroll transactions and day-to-day spending activities are posted and settled. We expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. allU.S. 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 checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over 12 consecutive Statement Cycles.
We have the right to close this account at any time, with proper notice.

Qualification Requirements: To earn your rewards all of the following transactions and activities must post and settle to your Kasasa Cash account each "Monthly Qualification Cycle ":

Transactions may take one or more business days from the date the transaction occurred to post and settle to the account. "Monthly Qualification Cycle" means a period beginning on the last business day of the month and ending on the day before the last business day of the month. Transfers between accounts and ATM transactions do not count as qualifying transactions. Only debit card and pos transactions processed by merchants and received by allU.S Credit Union count as qualifying transactions.


When Kasasa Cash Account Qualifications Are Not Met:

When Kasasa Cash Account Qualifications Are Met:

Interest Rate Information/Tier 1: If your daily balance is less than $10,000.01, the interest rate for that portion of your balance in your account will be 1.50% with an annual percentage yield of 1.51%.
Interest Rate Information/ Tier 2: If your daily balance is greater than $10,000.00, the interest rate paid for that portion over $10,000.00 will be 0.25% with an annual percentage yield of 0.25%

Variable Interest Rate Info: The interest rate and annual percentage yield for your account may change.

Compounding and Crediting: Interest will be compounded daily and credited to your account monthly on the last business day of the month. If you close your account before interest is credited you will not receive the accrued interest.

Balance Computation Method: We use the average daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. We will use an interest accrual basis of 365 for each day in the year. The average daily balance is calculated by adding the collected balance in the account for each day of the period and dividing that figure by the number of days in the period.

Minimum Balance to Receive Rewards: There is no minimum balance to receive the account's rewards.

Limitations: This account type is limited to one account per primary social security or tax i.d number.

Transactions Processing Information: Transactions on your account may not be processed in the order in which they occurred. Within specified groups, all transactions will be paid in order beginning with the smallest to the largest amount. The order in which these transactions are processed may affect the total amount of overdraft fees you incur as they post to your account.
Account closing / Accrued Interest and ATM Refunds: If you close your account before interest and the ATM refunds are credited, you will not receive the accrued interest or the ATM refund for that Monthly Qualification Cycle.

Please see allU.S. Credit Union Product and Service Fee Schedule.

Member NCUA Kasasa Cash is a trademark of BancVue, Ltd. Registered in the U.S.A