Enjoy high dividend earnings and refunds on ATM withdrawal fees.*
With free Kasasa Cash® checking, earn up to 2.00% APY* everymonth, just for doing simple activities you probably already do (like using your debit card)! You’ll also get refunds on ATM withdrawal fees, nationwide — so every ATM is your ATM, whether you’re in Detroit Lakes, Baxter, Little Falls, or anywhere else. Add a free Kasasa Saver® account to make saving easy. Open your accounts online now.
- Free checking that pays high dividends
- 2.00% APY* on balances up to $10,000
- 0.15%APY on balances over $10,000*
- 0.01% APY* even if qualifications aren't met
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
- Link to free Kasasa Saver to build savings automatically
- No minimum balance to earn rewards
- No monthly maintenance fee
- Free eStatements
- Free VISA® Debit Card
- Free online and mobile Bill Payment
- Free telephone banking - Phone Teller (218) 829-1455 or toll-free (800) 325-7881
- No minimum deposit to open
And if you don’t meet these qualifications, don’t worry — your account is still free.
Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
Earning your rewards is easy!
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 1 ACH credit or ACH payment transaction
- At least 12 debit card purchases
- Be enrolled i n and agree to receive eStatements
*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 (which means a period beginning on the last business day of the month and ending on the second to the last business day of the month) in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: Transfers between accounts, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $10,000 receive APY* of 2.00%; and balances over $10,000 earn 0.15% APY Kasasa Cash Back: 2.00% cash back on PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. Kasasa Saver (linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $25,000 in your Kasasa Saver account receive an APY of 1.00% and balances over $25,000 earn 0.15% interest rate on the portion of balance over $25,000. ATM Fee Refunds: you will receive reimbursements up to $25.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of 5.00 or higher. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.01% APY*; all balances in a Kasasa Saver account earn 0.01% APY; cash back payments are not made, and ATM fees are not reimbursed. ATM & Cash Back reimbursements and rewards will be credited the last business day of each month to the appropriate Kasasa account(s). Dividends will be credited on the last calendar day of each month to the appropriate Kasasa account(s). When linked to the Kasasa Saver account, the dividends earned within the linked Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual dividend amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account. APY = Annual Percentage Yield. APYs accurate as of 6/1/18. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, time frames, enrollments, and other requirements apply. No minimum deposit is required to open a Kasasa account. Qualifications and rewards may vary by account. Monthly qualifications include: 1 ACH Debit or Credit, 12 Debit Card purchases, and receipt of electronic statements. Limit 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. Contact MMFCU Member Services for additional information, details, restrictions, processing limitations and enrollment instructions. Certain restrictions apply. Federally insured by NCUA. If account doesn’t qualify for 3 consecutive months, account will be transferred out of Kasasa product and into a Simply Free Checking.