Kasasa Cash® Checking

Enjoy high-interest earnings and refunds on ATM withdrawal fees.*

At NCFCU, we want to reward you just for being a member. That’s why we offer Kasasa Cash® — free checking that pays up to 3.25% APY* on your balance, just for doing super simple activities you probably already do. You’ll even get refunds on ATM withdrawal fees, nationwide! If you really want to rake in the savings, add a free Kasasa Saver® account to make saving effortless.

SIGN UP TODAY BY CALLING 717.774.7706 or email kasasa@ncfcuonline.org.


  • Free checking that pays high dividends
  • 3.25% APY* on balances up to and including $20,000
  • .15% APY on portion of average monthly balance over $20,000
  • .01% APY* if qualifications aren’t met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Combine with free Kasasa Saver and it builds savings automatically.
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free online banking
  • Free mobile banking
  • Free eStatements
  • Free Visa® debit card
  • Nationwide surcharge-free ATM networks
  • NCUA insured up to $250,000
  • No minimum deposit to open

It’s so easy to earn your rewards!

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 ACH payment, bill pay transaction or direct deposit
  • At least 12 VISA® debit card signature/credit purchases
  • Be enrolled in and agree to receive eStatements

And if you don’t meet these qualifications, don’t worry – your 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 cycle that you qualify.

*Kasasa Cash Checking. 
The Kasasa Cash Checking account is a tiered rate account. If you meet the minimum qualification requirements during the monthly qualification cycle, balances up to and including $20,000 receive APY of 3.25%; and balances over $20,000 earn 0.15% interest rate on the portion of balance over $20,000.

 *Qualification Information:
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, non-retail payment transactions, and purchases made with debit 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 a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Average monthly balance up to $20,000 receive APY of 3.25%; and an average monthly balance over $20,000 earn 0.15% interest rate on the portion of balance over $20,000, resulting in a range from 3.25% to 0.32% APY depending on the account’s balance and (2) you will receive reimbursements up to an aggregate total of $25 (max. $4.99 per single transaction) for nationwide ATM withdrawal fees imposed by us and/or other financial institutions incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM 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 Kasasa Cash qualifications are not met, all average monthly balance in the account earn 0.01% APY and ATM withdrawal fees are not refunded. Dividends and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APY is accurate as of 01/01/2019.  Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, enrollments and other requirements apply. No minimum deposit is required to open the account. Monthly (1) Direct Deposit, ACH credit/debit transaction or Bill Pay and enrollment of E-statements are conditions of this account. Limit 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our NCFCU service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa and Kasasa Cash® are trademarks of Kasasa, Ltd., registered in the U.S.A.