A little info and a few minutes are all we need.
Enjoy high interest earnings and refunds on ATM withdrawal fees.*
At eDCU, we kind of like you. In fact, we want to reward you just for being a member. That’s why we offer Kasasa Cash® — free checking that pays up to 2.50% APY* on your balance, just for doing super simple activities you probably already do. You’ll even get refunds on ATM withdrawal fees, nationwide! If you really want to rake in the savings, add a free Kasasa Saver® account to make saving effortless. Because at eDCU, we don’t just like you — we love you!
- Free checking that pays high dividends
- 2.50% APY* on balances up to $20,000
- 0.05% APY on balances over $20,000
- 0.05% APY* 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 online banking & bill pay
- Free mobile banking with mobile deposit
- Free eStatements
- Free Visa® rewards debit card
- Nationwide surcharge-free ATMs via the CO-OP and MoneyPass ATM networks
- Get in-person service across the country via the CO-OP shared branch network
- NCUA insured up to $250,000
- No minimum deposit to open
Please note that you must be enrolled in eStatements to open and maintain this account.
It’s so easy to earn your rewards!
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least one (1) ACH DEBIT Payment or eDCU Bill Pay transaction(s)
- At least 12 debit card purchases
- Be enrolled in and log into online banking
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.
*Qualifications for all Kasasa Checking accounts: You may qualify for monthly rewards if you meet the applicable minimum qualification requirements for monthly qualification cycle. To meet the minimum qualification requirements, you must: 1) make 12 debit card purchases that post and settle your account; 2) have at least one (1) ACH Debit Payment or eDCU Bill Pay transaction(s) post and settle; 3) be enrolled in and log in to Online Banking monthly. Monthly receipt of electronic statements are a condition(s) of this account. The monthly qualification cycle is defined as a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Account 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. There are no recurring monthly maintenance charges or fees to open or close this account. In addition, we will refund up to $25.00 (max. $4.99 per single transaction) in ATM fees assessed at nationwide ATMs we do not own or operate. An ATM receipt must be provided for any ATM fee of $5.00 or greater to receive the refund. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within 60 calendar days of the withdrawal transaction. ATM refunds will be paid concurrent with other rewards earned. The Kasasa Saver Savings and Kasasa Cash Checking are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate & Fee Schedule. Each dividend rate will apply only to that portion of the account balance within each balance range if you meet the minimum qualification requirements. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, the third dividend rate and annual percentage yields as listed in the Rate & Fee Schedule will apply to the entire balance in your account and ATM fees will not be refunded to you. If you have a Kasasa Saver Savings account, dividends earned on the Kasasa Cash Checking account and ATM fees refunded to you will automatically be transferred to your Kasasa Saver Savings account; in that event, dividends will not compound in the Kasasa Cash Checking account. If you do not have a Kasasa Saver Savings account, dividends earned and ATM fees reimbursed will remain in your Kasasa Cash Checking account and dividends will compound in your account as listed in the Rate & Fee Schedule. When linked to the Kasasa Saver account, the dividends earned within the Kasasa Cash Checking account does not compound since it is automatically transferred to the Kasasa Saver account. This automatic transfer may cause an overdraft to your Kasasa Cash Checking account if the account's balance is less than the transferred amount when transfer occurs. APY = Annual Percentage Yield. Dividend rates are accurate as printed in the Rate & Fee Schedule. Kasasa Cash Back Checking accounts will receive 3.00% cash back on purchases up to $250.00 in PIN-based/signature based debit card purchases that post and settle to your account if you meet the minimum qualification requirements during the monthly qualification cycle. A maximum of $7.50 cash back may be earned per monthly qualification cycle. If you have a Kasasa Saver Savings account, cash back earned on your Kasasa Cash Back Checking account and ATM fees refunded to you will be deposited directly into your Kasasa Saver Savings account. If you do not have a Kasasa Saver Savings account, cash back earned and ATM fees refunded will remain in your Kasasa Cash Back Checking 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. For Kasasa Tunes Checking accounts, if you meet the minimum qualification requirements during the monthly qualification cycle, you will receive up to $10.00 in credit for purchases you make with your Kasasa Tunes Checking debit card at iTunes®, Amazon.com®, or Google Play®. These credits will be good for up to 30 days from the end of the qualification period. As a Sign Up Bonus, for the first 60 days from your account opening, provided you meet the qualification requirements, you may be reimbursed up to $20.00 for purchases that are made from iTunes, Amazon.com, or Google Play with your Kasasa Tunes Checking debit card and that post and settle to your account. All transactions must post and settle during the monthly qualification cycle in order to qualify for the account's reward. When Kasasa Tunes qualifications are not met, iTunes, Amazon.com, Google Play purchases and ATM fees are not refunded. Upon qualification, iTunes, Amazon.com, Google Play refunds and ATM fee reimbursements will be credited to your account. You may qualify for monthly rewards if you meet the applicable minimum qualification requirements for monthly qualification cycle. The following transactions do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our credit union. We reserve the right to convert the account to a different checking account if the account does not meet qualifications to earn rewards for four consecutive Qualification Cycles. If a Kasasa Saver is tied to the non-qualifying Kasasa Checking, the Kasasa Saver will be closed and funds transferred to the base share account. This account is intended to be the accountholder's primary checking account in which day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled. Commensurate with the spending activities identified above, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide 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 appear to be conducted with the sole purpose of qualifying for the account's rewards and thus will be deemed inappropriate transactions and will not count toward earning the account's rewards. evergreenDIRECT Credit Union reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications for four (4) consecutive months, may have their Kasasa checking account converted to a different checking account or closed altogether. There is a limit of one Kasasa checking account per social security number. Contact one of our Account Managers for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa, Kasasa Cash Back, Kasasa Tunes, and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A. iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com Inc. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com Inc. and Google, Inc. is/ are not participants in or sponsors of this program.