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Free Kasasa
Cash® Checking

Earn really high dividends and refunds on ATM withdrawal fees.*

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Free Kasasa Cash
Back® Checking

Earn cash back on debit card purchases and refunds on ATM withdrawal fees.*

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Basic Checking

Enjoy a simple, free account with all the convenience you need.

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Rewards

  • 2.00% APY* on balances up to $10,000
  • 2.00% to 0.36% APY on balances over $10,000 depending on balance in account*
  • 0.01% APY* if qualifications aren't met

Rewards

  • 3.50% cash back on debit card purchases*
  • Up to $84 cash back per year ($7 per month)*
  • Cash back earned on up to $200 in purchases monthly
  • No category restrictions on purchases

Rewards

N/A

Monthly Service Fee

None

Monthly Service Fee

None

Monthly Service Fee

None

Free ATMs

Refunds on ATM withdrawl fees*

Free ATMs

Refunds on ATM withdrawl fees*

Free ATMs

30,000+ within the CO-OP network

Free online banking with bill pay

Free online banking with bill pay

Free online banking with bill pay

Free Debit Card

Free Debit Card

Free Debit Card

Minimum deposit to open

$5

Minimum deposit to open

$5

Minimum deposit to open

$5

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Kasasa Cash disclaimers that are important:

Kasasa Cash: *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 login in online banking and receipt of electronic statements are conditions 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 Kasasa, registered in the U.S.A.

Kasasa Cash Back disclaimers you might read:

Kasasa Cash Back: *Please note that transactions MUST post and settle to your account during the monthly qualification cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post and settle to an account. Debit card transactions processed by merchants and received by us as ATM transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by us as point-of-sale (POS) transactions count towards qualifying debit card transactions. 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 Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive: (1) 4.00% cash back up to an aggregate amount of $7.00 per monthly qualification cycle, on everyday debit card purchases totaling $200.00 or less that post and settle to your account during the monthly qualification cycle, and; (2) You will also receive reimbursements up to $4.99 per individual transaction for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified up to an aggregate monthly total of $10.00.. 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 Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the first business day of the next statement cycle. 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 login in online banking and receipt of electronic statements are a condition 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 and Kasasa Cash Back are trademarks of Kasasa, registered in the U.S.A.

Kasasa Saver disclaimers to look at:

Kasasa Saver: *Account transactions and activities may take one or more Business 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 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 the Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the first business day of the next statement cycle.

  • Kasasa Saver: Balances up to $10,000 receive APY of 0.5%; and balances over $10,000 earn 0.230% interest rate on the portion of balance over $10,000, resulting in a range from 0.5% to 0.23% APY depending on the account's balance.
  • Kasasa Cash: Balances up to $10,000 receive APY* of 2.00%; and balances over $10,000 earn 0.20% 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.
  • Kasasa Cash Back: 3.50% cash back on up to a total of $200.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $7.00 cash back may be earned per Monthly Qualification Cycle.

When Kasasa Cash or Cash Back qualifications are not met,

  • Kasasa Saver: All balances earn 0.01% APY.
  • Kasasa Cash: All balances earn 0.01% APY*.
  • Kasasa Cash Back: No cash back payments are made.

When linked to the Kasasa Saver account, the dividends earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account the day after being credited to your Kasasa Cash account. Consequently, when linked to Kasasa Saver, and your Kasasa Cash qualifications are met, balances up to $10,000 in your Kasasa Cash account receive a non-compounding APY of 2.00% and balances over $10,000 earn 0.20% interest rate on the portion of the balance over $10,000, resulting in a non-compounding range from 2.00% to 0.36% APY depending on the account's balance. The Kasasa Saver APYs may be less than the Kasasa Cash APYs. 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 login 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-ons may be required to meet some of the account's qualifications. Limit 1 account per social security number. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. 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, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, registered in the U.S.A.