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Routing #: 221381867

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Perfect for High Interest Earnings!

Benefits

Earn high monthly dividends with no minimum balance3.00% APY on balances up to $20,0000.10% APY on balances over $20,0000.05% APY for unqualified accounts Link to free Kasasa Saver® to collect savings automatically.

  • Free Online Banking with Bill Pay
  • Free Mobile App with remote check deposit
  • Free Debit Card

Monthly Fees

$0

ATM Fee Refunds

Earn refunds on ATM withdrawal fees, nationwide (up to $25 monthly).

One-Time New Member Fee to Open

$7

 

Prefect for Cash Back!

Benefits

2.50% cash back on debit card purchases. Earn cash back on up to $500 in monthly purchases Earn up to $150 cash back per year. Link to free Kasasa Saver® to collect savings automatically.

  • Free Online Banking with Bill Pay
  • Free Mobile App with remote check deposit
  • Free Debit Card

Monthly Fees

$0

ATM Fee Refunds

Earn refunds on ATM withdrawal fees, nationwide (up to $25 monthly).

One-Time New Member Fee to Open

$7

 

Prefect for The Basics!

Benefits

No minimum balance. Online & mobile access. Unlimited check writing. Free debit card. Free eStatements. Possible Overdraft Privilege.

  • Free Online Banking with Bill Pay
  • Free Mobile App with remote check deposit
  • Free Debit Card

Monthly Fees

$2 (Waived if opted in for paperless eStatements only).

ATM Fee Refunds

N/A

One-Time New Member Fee to Open

$2 with $5 on deposit to retain membership

For all Kasasa accounts, you may qualify for monthly rewards if you meet the applicable minimum qualification requirements during each monthly qualification cycle. To meet the minimum qualification requirements, you must: a) make 13 debit card purchases that post and settle your account with a minimum of $5.00 each, ATM use does not count toward rewards; b) have one ACH transaction (credit or debit) settle your account; c) receive only monthly Electronic statements and opt-out of paper statements. The monthly qualification cycle is defined as the period beginning on the last business day of the current month and ending on the day prior to the last business day of the following month. Transactions may take one or more business days from the date the transaction was made to post and settle to the account. All transactions must post and settle during the monthly qualification cycle in order to qualify for the account’s reward. All Kasasa accounts are limited to one account per Social Security number.

Kasasa Cash. The Kasasa Cash account is a tiered rate account. If you meet the minimum qualification requirements during the monthly qualification cycle, the first dividend rate and annual percentage yield listed in the Rate Schedule will apply to balances up to $20,000.00. The second dividend rate and annual percentage yield listed for this account will apply to balances of $20,000.01 or greater. Each dividend rate will apply only to that portion of the account balance within each balance range. In addition, we will refund up to $25.00 in ATM fees assessed at domestic ATMs we do not own or operate. ATM refunds will be paid on the last business day of the month. 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. If you have a Kasasa Saver account, dividends earned on the Kasasa Cash account and ATM fees refunded to you will automatically be transferred to your Kasasa Saver account; in that event, dividends will not compound in the Kasasa Cash account. If you do not have a Kasasa Saver account, dividends earned and ATM fees reimbursed will remain in your Kasasa Cash account. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, the third dividend rate and annual percentage yield as listed in the Rate Schedule will apply to the entire balance in your Kasasa Cash account and ATM fees will not be refunded to you.

We expect the account’s debit card to be used frequently throughout each month and for transaction amounts to reflect a reasonable dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions will not count toward earning the account’s rewards.

Qualifications must be met in order to continue to be eligible for Kasasa accounts. If qualifications are not regularly met, Alternatives FCU reserves the right to convert the account to a different share draft account.

Closing the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. If the account is closed, you will forfeit any rewards that have not been credited to your account.

Kasasa Cash Back. For Kasasa Cash Back accounts, you will receive 2.50% cash back on up to $500.00 (for a maximum of $12.50 back) in debit card purchases that post and settle to your account if you meet the minimum qualification requirements during the monthly qualification cycle. In addition, we will refund up to $25.00 in ATM fees assessed at domestic ATMs we do not own or operate. ATM refunds and cash back rewards will be paid on the last business day of the month. 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. If you have a Kasasa Saver account, cash back earned on your Kasasa Cash Back account and ATM fees refunded to you will be deposited directly into your Kasasa Saver account. If you do not have a Kasasa Saver account, cash back earned and fees refunded will remain in your Kasasa Cash Back account. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, you will not earn a cash back reward and ATM fees will not be refunded to you.

We expect the account’s debit card to be used frequently throughout each month and for transaction amounts to reflect a reasonable dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions will not count toward earning the account’s rewards.

Qualifications must be met in order to continue to be eligible for Kasasa accounts. If qualifications are not regularly met, Alternatives FCU reserves the right to convert the account to a different share draft account.

Closing the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. If the account is closed, you will forfeit any rewards that have not been credited to your account.