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Rewarding Checking Accounts

Choose Your Best Checking Option

Earn Cash Back or Higher Dividends

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Earn More with a Kasasa Checking Account
Kasasa Cash® Checking Kasasa Cash Back® Checking

Best For

Really High Interest

Cash Back

Key Features

Enjoy free checking that pays. Earn high interest earnings and refunds on ATM withdrawal fees, nationwide. Links automatically to the Kasasa Saver® Account.

Choose this free checking account that pays cash back on debit card purchases — plus refunds on ATM withdrawal fees. Links automatically to the Kasasa Saver® Account.

Monthly Rewards

  • 5.50% APY* on balances up to and including $25,000
  • 0.50% APY* on balances over $25,000 depending on balance in account
  • 0.05% APY* if qualifications aren't met
  • 3.00% cash back on debit card purchases^
  • Cash back earned on up to $300 in monthly purchases
  • Earn as much as $108 cash back per year with a cap of $9 per month

Early Direct Deposit3

Eligible for Early Direct Deposit

Eligible for Early Direct Deposit

Zelle®4 

Eligible to send and receive money fast to those you trust in the Andrews mobile app and online banking

Eligible to send and receive money fast to those you trust in the Andrews mobile app and online banking

Monthly Maintenance Fee

$0

$0

Refunds on ATM Withdrawal Fees

Up to $25 monthly*

Up to $25 monthly*

Free Online & Mobile Banking Access

Free Debit Card

Minimum Opening Deposit

$0

$0

Bank and Get Cash through Our Nationwide CO-OP Network5

Eligible for access through our 30,000+ no-fee ATMS and branch network

Eligible for access through our 30,000+ no-fee ATMS and branch network

Best For

Kasasa Cash® Checking

Really High Interest

Kasasa Cash Back® Checking

Cash Back

Key Features

Kasasa Cash® Checking

Enjoy free checking that pays. Earn high interest earnings and refunds on ATM withdrawal fees, nationwide. Links automatically to the Kasasa Saver® Account.

Kasasa Cash Back® Checking

Choose this free checking account that pays cash back on debit card purchases — plus refunds on ATM withdrawal fees. Links automatically to the Kasasa Saver® Account.

Monthly Rewards

Kasasa Cash® Checking
  • 5.50% APY* on balances up to and including $25,000
  • 0.50% APY* on balances over $25,000 depending on balance in account
  • 0.05% APY* if qualifications aren't met
Kasasa Cash Back® Checking
  • 3.00% cash back on debit card purchases^
  • Cash back earned on up to $300 in monthly purchases
  • Earn as much as $108 cash back per year with a cap of $9 per month

Early Direct Deposit3

Kasasa Cash® Checking

Eligible for Early Direct Deposit

Kasasa Cash Back® Checking

Eligible for Early Direct Deposit

Zelle®4 

Kasasa Cash® Checking

Eligible to send and receive money fast to those you trust in the Andrews mobile app and online banking

Kasasa Cash Back® Checking

Eligible to send and receive money fast to those you trust in the Andrews mobile app and online banking

Monthly Maintenance Fee

Kasasa Cash® Checking

$0

Kasasa Cash Back® Checking

$0

Refunds on ATM Withdrawal Fees

Kasasa Cash® Checking

Up to $25 monthly*

Kasasa Cash Back® Checking

Up to $25 monthly*

Free Online & Mobile Banking Access

Kasasa Cash® Checking
Kasasa Cash Back® Checking

Free Debit Card

Kasasa Cash® Checking
Kasasa Cash Back® Checking

Minimum Opening Deposit

Kasasa Cash® Checking

$0

Kasasa Cash Back® Checking

$0

Bank and Get Cash through Our Nationwide CO-OP Network5

Kasasa Cash® Checking

Eligible for access through our 30,000+ no-fee ATMS and branch network

Kasasa Cash Back® Checking

Eligible for access through our 30,000+ no-fee ATMS and branch network

QUALIFICATIONS TO EARN REWARDS

To earn your monthly rewards, you must have met all the following qualifications for the month. View the QUALIFICATION PERIOD AND STATEMENT CYCLES.

The following are qualifying activities:
  • A minimum of 15 PIN-based or signature-based debit card purchases with an Andrews Federal debit card in the Kasasa Cash, or Kasasa Cash Back Checking account.
  • At least one direct deposit or ACH transaction   
  • Be enrolled in Digital Banking and agreed to eStatements

The following activities do not count toward earning account rewards:

  • ATM-processed transactions
  • Transfers between accounts
  • Debit card transactions processed by merchants and received by our credit union as Bill Payment transactions.

All your transactions and activities must have been processed before the end of the month to count toward your qualifying transactions. If you don’t meet these qualifications for the month, — your account is still free and you’ll still earn our base rate (0.05% APY*). You’ll continue earning rewards the very next cycle that you qualify. 


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*APY = Annual Percentage Yield.

1Kasasa Cash Checking - Must be a member of the credit union to open any deposit account. Membership eligibility required. To earn the 5.50% APY on balances up to $25,000, account qualifications must be met during the monthly cycle. Balances of $25,000.01 and over will earn 0.50% APY if all account qualifications are met during the monthly cycle. No minimum deposit or minimum balance is required to open or maintain the account. A monthly ACH debit/credit, 15 debit card purchases per month, and enrollment in online banking and e-statements are required for this account. These transactions do not count toward earning account rewards: ATM-processed transactions, transfers between accounts and debit card purchases processed by merchants and received by our credit union as Bill Payment transactions. Limit of one account type per member. There are no recurring monthly maintenance charges or fees to open or maintain this account. A Kasasa Cash or Kasasa Cash Back account is first required in order to open a Kasasa Saver account. To automate transfer of checking account rewards for automatic savings, a linked Kasasa Saver account is required. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period.

2Kasasa Cash Back Checking Account - Must be a member of the credit union to open any deposit account. Membership eligibility required. 3.00% cash back on the first $300 on monthly purchases, up to $9 per cycle. You can earn as much as $108 cash back per year with a cap of $9 per month. No minimum deposit or minimum balance is required to open or maintain the account. A monthly ACH debit/credit, 15 debit card purchases per month, and enrollment in online banking and e-statements are required for this account. These transactions do not count toward earning account rewards: ATM-processed transactions, transfers between accounts and debit card purchases processed by merchants and received by our credit union as Bill Payment transactions. Limit of one account type per member. There are no recurring monthly maintenance charges or fees to open or maintain this account. A Kasasa Cash or Kasasa Cash Back account is first required in order to open a Kasasa Saver account. To automate transfer of checking account rewards for automatic savings, a linked Kasasa Saver account is required. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period.

**Reimbursements apply to nationwide ATM withdrawal fees imposed by other financial institutions and are refunded based on Monthly Qualification Cycle limits. If an ATM withdrawal fee is not clearly identifiable, we may provide an estimated refund. Please note: ATM withdrawal transaction fees charged by Andrews Federal are not refundable.

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

3Early Direct Deposit Program - early access to direct deposit funds depends on timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be one day earlier than the payer’s scheduled payment date.

4Zelle® - To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

5Nationwide ATM Access - 1,850 of these ATMs are located within restricted access facilities.

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