Free Checking with Higher Earnings
Kasasa Cash Checking
Earn high dividends - up to 5.50% APY* - with our industry-leading checking account.
Account Opening
Opening an account is easy
Are You a Member?
Log in to Online Banking
Not a Member Yet?
Join in less than 5 minutes to bank at Andrews Federal
Why Choose a Kasasa Cash Checking Account?
Kasasa Cash Checking makes your money go farther and work harder. In addition to all the perks of a free checking account, you actually get paid to use Kasasa Cash Checking. Earn 5.50% APY* on balances up to $25,000 when you meet qualifications, including making 15 debit card transactions in a month.
High Dividends
Earn up to 5.50% APY on balances up to $25,000
ATM Withdrawal Refunds
Refunds on ATM withdrawal fees charged by other ATM owners nationwide (up to $25 monthly)**
No Hidden Costs
No monthly maintenance fee, no minimum balance, no minimum deposit
Access Funds Early
Get your paycheck one day earlier with Early Direct Deposit1
Zelle®
An easy way to send and receive money fast2
Your Questions. Answered.
Frequently Asked Questions about Kasasa Cash Checking
Learn how to maximize your earnings with this free checking account.
What are the qualification guidelines to earn cash back?
You must have the following qualifying activities monthly to earn your rewards:
- A minimum of 15 PIN-based or signature-based debit card purchases with an Andrews Federal debit card
- At least one direct deposit or ACH transaction
- Enrollment in Digital Banking and eStatements
What types of transactions do not count toward my qualifying transactions?
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.
If I don't meet the qualifying transactions for the month, do I lose my rewards?
Yes, if you don’t meet the required qualifications for the month, your account will still be free and you’ll still earn our base dividend rate (0.05% APY*). The next month, you'll have the chance to qualify for and earn rewards again.
How do I switch my current checking account to a Kasasa Cash Checking Account?
Log in to Digital Banking and send us a Secure Message, and our team can assist you with converting your account.
Can I access my account at other credit unions?
Yes, through the CO-OP Shared Branch Network, Andrews Federal members will be able to complete some of the same transactions as if you were at an Andrews Federal branch. The CO-OP ATM network offers more than 30,000 no-fee ATMs, covering all 50 states and 10 countries. To find a Shared Branch near you and to confirm the services that are available, visit the Branches & ATMs page.
Can I access my Andrews Federal account while stationed overseas?
Yes, you can use Digital Banking anytime, anywhere. Plus, we have physical branches on military installations in Germany, Belgium, and the Netherlands.
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.
1Early 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.
2Zelle® - 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.
**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.