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How would you like to feel like you’re getting paid to shop? With our free Kasasa Cash Back checking account, you can. By doing just a few easy banking activities (“qualifications”) you likely already do anyway, you can earn cash back refunds on your debit card purchases!

There are no minimum balance requirements, and no category restrictions on purchases. You’ll even earn refunds on ATM withdrawal fees, nationwide*. See the details below and open your Kasasa Cash Back account to start saving ASAP.

  • Free checking that pays you back
  • Earn 3.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $300 in purchases monthly
    • Earn up to $108 cash back per year, $9 per month
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
    • Only earned cash back refunds can be swept to a Kasasa Saver account
  • No monthly maintenance fee
  • No minimum balance requirements
  • Unlimited monthly transactions
  • Free online banking & bill pay
  • Free mobile banking
  • Free person-to-person (P2P) payments
  • Free e-statements
  • Free telephone banking
  • Free Visa® debit card
  • Nationwide surcharge-free ATMs and thousands of shared branch locations via the CO-OP Network
  • Overdraft protection available
  • $25 minimum deposit to open
  • Federally insured by NCUA

Overdraft Opt-In

Fill out our easy online form to ensure you have full overdraft protection on everyday debit card purchases and ATM withdrawals.

Qualifying is Easy

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases, each greater than $3.99
  • At least 1 direct deposit, ACH credit, or ACH payment transaction
  • Be enrolled to receive e-statements

And if you don’t meet these qualifications, don’t worry — your account is still free! Even more, you can get right back to earning your full rewards the very next cycle that you qualify.

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.mountaincrestcu.com for specific Monthly Qualification Cycle dates.

Reward Information:

When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 3.00% cash back on up to a total of $300.00 of PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back payments may be earned per Monthly Qualification Cycle.
You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.
When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.
Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle.
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.

Additional Information:

Membership restrictions may apply.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
$25.00 minimum deposit is required to open the account.
There are no recurring monthly maintenance charges or fees to open or close this account.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Federally insured by NCUA. Your Savings Insured To $250,000 per account ownership.

Trademarks:

Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.