What is better than a 100% free checking account? One that also pays you high dividends and refunds your ATM fees nationwide* every month! No, we're not joking. All you need to do to get these rewards from Kasasa Cash® are banking basics that will save you time and money.

  • 2.00% APY* on balances up to $10,000
  • 2.00% to 0.36% on balances over $10,000 depending on balance in account*
  • 0.01% APY* if monthly qualifications are not met
  • ATM fee refunds* up to $10.00 per month
  • No minimum balance to earn rewards
  • No monthly service charge
  • Unlimited check writing
  • No monthly service fees on our debit cards
  • Free online banking & bill pay
  • Free mobile banking & mobile deposit
  • Free eStatements
  • Free Visa® debit card

Getting your rewards is easy

Qualifying to receive your rewards is so easy that that you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your free Kasasa Cash account each monthly qualification cycle:

  • Have at least 15 debit card purchases post and settle
  • Be enrolled and log into online banking
  • Enroll and receive eStatement notice

That's it! And even if you don't qualify, the account is still free and you earn the base rate. You can get back to earning the huge rewards the very next monthly qualification cycle. Do You Kasasa?™

*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. 15 qualifying debit card transactions must post and settle to your account per monthly qualification cycle. The following activities do not count toward qualifying debit card transactions: ATM-processed transactions, transfers between accounts, debit card transactions processed by merchants and received by Northwoods Credit Union as ATM transactions and purchases made with non- Northwoods Credit Union issued debit cards. "Monthly Qualification Cycle" means a period beginning on the first day of the current statement cycle through the last day of the current statement cycle. When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle: (1) Balances up to $10,000 receive APY of 2.00%; and balances over $10,000 earn 0.200% interest rate on the portion of balance over $10,000, resulting in a range from 2.00% to 0.36% APY depending on the account's balance, and; (2) You will be reimbursed for all ATM fees imposed by our institution as well as fees imposed by other U.S. financial institutions, up to an aggregate of $10.00, and deposit them into your account on the first business day of the month after the end of the monthly qualification cycle.ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches within 30 days of transaction. When Kasasa Cash qualifications are not met, all balances in the account earn 0.01% APY and ATM fees are not refunded. Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the first business day of the next statement cycle. APY = Annual Percentage Yield. APY is accurate as of 06/01/2017. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Account approval, conditions, qualifications, limits, timeframes, enrollments, logging in, and other requirements apply. The minimum balance required to open this account is $5.00 and the maximum opening deposit amount is $1,000.00. Monthly enrollment in online banking and receipt of electronic statements are condition(s) of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ins may be required to meet some of the account's qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact a Northwoods Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Accounts are federally insured by NCUA. Kasasa & Kasasa Cash are trademarks of BancVue, Ltd., registered in the U.S.A.