Kasasa Cash Back

Kasasa Cash Back

Get paid to shop with free Kasasa Cash Back checking! You’ll enjoy cash back on your everyday debit card purchases, with no category restrictions. Plus, you’ll get refunds on ATM withdrawal fees, nationwide* — so every ATM is your ATM, in Muskegon, Spring Lake, or elsewhere!

That’s Kasasa® at Best Financial Credit Union — free accounts that reward you for banking locally with us. It’s one way we thank you for being a member!


View our current rates.

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Summary
  • 5.00% cash back on debit card purchases*
  • No category restrictions on purchases
  • Cash back earned on up to $200 in purchases monthly
  • Earn up to $120 cash back per year, $10 per month
  • ATM fee refunds nationwide up to $20 ($4.99 per transaction)*
  • Can link to high-dividend Kasasa Saver® account
  • No monthly service fee
  • No minimum balance to earn rewards
  • Unlimited check writing
  • Easily set up direct deposit or automatic account transfers
  • Free online banking & bill pay
  • Free eStatements
  • Free phone banking
  • Free debit card
  • $50 minimum deposit to open

How Does Kasasa® Work?

Simple things like using your debit card and receiving eStatements save you time and make life easier. Those small changes also help save us some money. We can then pump that money back into the community — and to pay you rewards!

Qualifications

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

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Have at least 1 ACH Debit/Credit or Direct Deposit post and settle
  • Be enrolled and log into online banking

That's it. If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base dividend rate. Plus, you can get back to earning major dividends and nationwide ATM fee refunds the very next month.

*APY = Annual Percentage Yield. APYs accurate as of 05/01/2018. 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. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, credit card purchases, debit and credit card purchases processed by merchants and received by our credit union as ATM transactions, and purchases made with debit or credit card(s) not issued by our credit union. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 5% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $10 cash back may be earned per Monthly Qualification Cycle. Kasasa Saver: (Linked to a Kasasa Cash Back account): Balances up to $10,000 in your Kasasa Saver account receive an APY* of 0.5%, and balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000, resulting in a range from 0.5% to 0.27% APY* depending on the account’s balance. Cash back payments will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. Fees may reduce earnings. When Kasasa Cash Back qualifications are not met, no cash back payments are made, and ATM fees are not reimbursed; if you have an added on Kasasa Cash Back Saver it will only earn 0.05% APY*. Rates and rewards are variable and may change after account is opened. ATM Fee Refunds: You will receive reimbursements up to $20 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM fee reimbursements will be credited to the account on the last day of statement cycle. ATM receipt must be presented within sixty (60) calendar days of transaction for individual ATM fees of $4.99 or higher in order to be considered for reimbursement. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 initial deposit is required to open the account. Monthly Direct Deposit/ACH credit/debit, enrollment in online banking, receipt of electronic statements are condition(s) of this account. 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. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.