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 fee or minimum balance to earn rewards). Kasasa Cash Back also includes domestic ATM fee refunds*.

Make shopping more rewarding! You earn cash back simply by using your debit card to make purchases.

  • 4.00% 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
  • Domestic ATM fee refunds (up to $20 total per month – $4.99 per single transaction)
  • No minimum balance to earn rewards
  • Free online banking
  • Overdraft courtesy, protection and privilege available
  • Optional identity theft protection
  • Same-Day ACH Debits

To earn up to $8.00 cash back per month* simply do the following each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Have at least one automatic payment (ACH) or direct deposit post and settle
  • Be enrolled and receive eStatement notices

If you miss a monthly qualification cycle, don’t worry!

You will still enjoy free checking and there’s no penalty for not qualifying in a given monthly qualification cycle. You get right back to earning cash back and enjoying ATM refunds the next cycle you qualify. Kasasa Cash Back still offers the same great benefits as free checking.


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 Back account during each Monthly Qualification Cycle:

  • Have at least 10 PIN-based or signature-based debit card purchases
  • Have at least one automatic payment (ACH) or direct deposit post and settle
  • Be enrolled in and have agreed to receive eStatements rather than paper statements

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 card purchases processed by merchants and received by Natco Credit Union as ATM or PIN-based, signature-based transactions and purchases made with non-Natco Credit Union issued debit cards.

“Monthly Qualification Cycle” means the current statement cycle.

Reward Information:

When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4% cash back on up to a total of $200 in debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back payments may be earned per Monthly Qualification Cycle.

You will receive reimbursements up to an aggregate total of $20.00 (up to $4.99 per single transaction) for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher.

When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.

Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the first processing/business day of the following statement cycle.

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. 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. No minimum deposit is required to open the account. A monthly Direct Deposit or an ACH payment and enrollment in eStatements, are conditions of this account. See accompanying Fee Schedule for fees that may apply to this account. Limit of one Kasasa checking account(s) 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. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.