Free Kasasa Cash® Checking

Get free checking with cash rewards

Earn a really high rate — plus ATM withdrawal fee refunds — with our free Kasasa^® Cash Checking account!* You’ll enjoy our free Digital Banking conveniences while earning serious dividends on your balance. See how easy it is to earn rewards with this feature-filled account.

Benefits

Free checking that pays high dividends
- 5.00% APY* on balances up to $7,500
- 5.00% to 0.44% APY on balances over $7,500 depending on balance in account*
- 0.03% APY* if qualifications aren't met
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

If for some reason you don’t meet the qualifications, there’s no need to worry. Your account is still free, and you’ll still earn our base rate. Plus, the very next month you can get right back to earning your full rewards.

I want Kasasa® Checking!

Have questions about Kasasa Cash? 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: you will receive 5.00% APY* on balances up to $7,500.00
balances over $7,500.00 will receive .10% APY. Earn 5.00% to 0.44% APY on balances over $7,500.00 depending on balance in account*. Earn 0.03% APY* if qualifications aren't met during the Monthly Qualification Cycle.

When your linked Kasasa Cash 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 linked Kasasa Cash account qualifications are not met, 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.

Nationwide ATM withdrawal fee reimbursements will be credited to your 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 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.