Free Kasasa Cash Back® Checking

Choose free checking that pays cash back

Get 5.00% cash back rewards on debit card purchases — plus ATM withdrawal fee refunds — with a free Kasasa Cash Back^®Checking account!* Enjoy our free Digital Banking conveniences while using your debit card. It feels like you’re getting paid to shop!

Benefits

Free checking that pays you back
5.00% cash back on debit card purchases*
- No category restrictions on purchases
- Cash back earned on up to $300 in purchases monthly
- Earn up to $180 cash back per year, $15 per month
Refunds on ATM withdrawal fees, nationwide (up to $25 monthly, max $4.99 each)*
Can link to free Kasasa Saver^® to build savings automatically
No minimum balance to earn rewards
No monthly maintenance fee
Free Digital Banking with Bill Payer
Free E-Statements
Free Mobile App
- Includes Mobile Deposit
Free Visa^® Debit Card
- can be loaded to a mobile wallet
No minimum deposit to open
Debit card with optional RoundUp savings

Our RoundUp option allows you to build your savings without doing anything other than using your debit card. We'll round up each of your debit card purchases to the nearest dollar, and at the end of each day, transfer that amount to your Primary Share Savings account. Easy!

How to Qualify

By doing just a few easy banking activities (we call them “qualifications”) listed below, you’ll help us lower costs — and we’ll pass those savings on to you as Kasasa 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 12 signature-based debit card purchases
Be enrolled in and agree to receive e-statements
At least 1 direct deposit, ACH payment, or Bill Payer transaction

Don’t worry if you don’t qualify during a cycle, your Kasasa Cash Back account is still free. Even more, you can get right back to earning your full rewards the very next month.

I want Kasasa® Checking!

Have questions about Kasasa Cash Back? Email us at mail@UnitedOne.org or call 920-684-0361 in Manitowoc and 920-451-8222 Sheboygan.

*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. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. See our website www.unitedone.org or call 920-684-0361 to contact one of our member service representatives for specific Monthly Qualification Cycle dates.

Reward Information:

Kasasa Cash Back: you will receive 5.00% cash back on up to a total of $300 PIN-based or signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $15 cash back payments may be earned per Monthly Qualification Cycle.

When your linked Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Kasasa Saver account earn an APY of .50% and daily balances over $25,000 earn a dividend rate of .10% on the portion of the daily balance over $25,000, resulting in a range from .50% to .18% APY depending on the account's daily balance.

When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. In addition, the entire daily balance in the Kasasa Saver account earns a dividend rate of .03% resulting in an annual percentage yield of .03% APY.

Dividends will be credited to your Kasasa Saver account on the last day of the current statement cycle.

The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of 03/15/2023.

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. Fees may reduce earnings.

Additional Information:

Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our member service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA.