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Free Checking with Higher Earnings

Kasasa Cash Checking

Earn high dividends - up to 5.50% APY* - with our industry-leading checking account.

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Simpler Money Management

Your checking account comes with tools to make money management easier, including convenient Bill Pay options. Get started in Digital Banking today.

Kasasa Cash® Checking

Open Account
Minimum to Open Dividend Rate Annual Percentage Yield (APY)

$0.01 - $25,000.00

5.366%

5.50%

$25,000.01 and more

0.499%

0.50%

$.01 or more if qualifications are not met

0.050%

0.05%

Minimum to Open

$0.01 - $25,000.00

Dividend Rate

5.366%

Annual Percentage Yield (APY)

5.50%

$25,000.01 and more

Dividend Rate

0.499%

Annual Percentage Yield (APY)

0.50%

$.01 or more if qualifications are not met

Dividend Rate

0.050%

Annual Percentage Yield (APY)

0.05%

APY = Annual Percentage Yield. Rates stated are variable and may change at any time. Fees may reduce earnings on the account. Dividends are compounded and credited monthly.

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Account Access - Anytime, Anywhere

Check balances, review transactions, and more whenever and wherever it's convenient - with Digital Banking and our Mobile Banking app. 

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?

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 MONTHLY QUALIFICATION 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. 


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. 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 close this account. A Kasasa Cash or Kasasa Cash Back account is required to have 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.

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

2Early 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.

3Zelle® - 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.

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