Checking Accounts That Are Working for You … Every Single Day

At Natco, we believe checking accounts should work for you. That’s why we offer unlimited check writing, no monthly service fees and no minimum balance requirements on each of our checking account options.

We invite you to compare the options to determine which checking account will work best for you!  Below is a chart that compares them side-by-side. You can also learn more about each of the options by visiting the product pages.

Start gaining the benefits of your Natco membership with a hassle-free checking account. You could even be rewarded with cash!

CHECKING ACCOUNT TYPEFREE CheckingKasasa Cash Back Checking*Kasasa Cash Checking**
FEESFREE account
No monthly maintenance fees
FREE account
No monthly maintenance fees
FREE account
No monthly maintenance fees
REWARD4.00% cash back on debit card purchases*

Cash back earned on up to $200 in purchases monthly

Earn up to $96 cash back per year, $8 per month

2.50% APY on balances up to $10,000**

2.50% to 0.68% APY on balances over $10,000 depending on balance in account*

0.10% APY* if qualifications aren’t met

BEST FORPeople who haven’t heard about the benefits of using a Kasasa checking account yet.Members who use their debit card often and want to receive a monthly cash back reward for doing so.Members who carry a balance in their checking account and want to earn massive dividends for doing so.
ATM FEE REFUNDSNoneDomestic ATM withdrawal fee refunds up to $20 total per month – $4.99 per single transactionDomestic ATM withdrawal fee refunds up to $20 total per month – $4.99 per single transaction
MINIMUM OPENING DEPOSIT$0$0$0
Free Checking Icon

Free Checking

With Natco’s free unlimited checking, you can keep your hard-earned cash right where it belongs – in your account. While many traditional banks charge numerous checking account fees, Natco offers free checking as a benefit of your membership.

Kasasa Cash Back

Kasasa Cash Back Checking

Get paid cash back on what you buy. Kasasa Cash Back is a free checking account that pays you cash back on your debit card purchases (up to $8.00 per month* with no monthly service fees or minimum balance requirement to earn rewards). Kasasa Cash Back also includes domestic ATM fee refunds*.

Start earning cash back today by opening a Kasasa Cash Back checking account.

Kasasa Cash

Kasasa Cash Checking

With the Kasasa Cash free checking account, you can earn up to 2.50% APY with no monthly maintenance fees or minimum balance requirement to earn rewards.

Kasasa Cash is a free checking account that also includes domestic ATM withdrawal fee refunds**. After all, it’s your cash so you should benefit the most from it.

Start earning higher dividends with a Kasasa Cash checking account today.

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Debit Cards

Use Natco’s VISA debit card to conveniently pay bills, make purchases and withdraw cash from affiliate ATMs, 24 hours a day. You also can keep track of your balance and transactions with automated debit card alerts. Get more flexibility with Natco’s debit card.

Overdraft Courtesy Pay, Protection & Privilege

Natco’s membership helps you prepare for the unexpected. With our overdraft protection program, you have various options to help cover transactions if funds are temporarily unavailable in your checking account. Explore our overdraft features today!