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In big bank land, it’s normal to get nickeled and dimed. But with Kasasa Cash Back®, we’ve turned the tables — now, it’s your turn to get paid! Free Kasasa Cash Back checking pays you in more than change. Earn 2% cash back on everyday debit card purchases — that’s up to $10 cash back per month! And to top it off, we’ll even refund your ATM fees nationwide.* To qualify, just keep doing the things you're probably already doing.

Reorder Checks

  • Free checking that pays you back
  • 2.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $500 in purchases monthly
    • Earn up to $10 cash back per month
  • Refunds on ATM fees, nationwide (up to $20 monthly)*
  • Can link to Kasasa Saver® for automatic savings
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking & bill pay
  • Free eStatements
  • Free mobile banking
  • Free Visa® debit card
  • Free telephone banking
  • Unlimited check writing
  • No minimum deposit to open

Want to qualify for rewards?

We make it easy. In fact, you probably do most — if not all — of these things already! To qualify, just do the following transactions and activities in your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

That’s really all there is to it! Even if you don't meet your qualifications during the cycle, your Kasasa Cash Back account is still free. And you can get right back to earning your cash rewards the very next month!


2022 Qualification Cycle

January: Dec. 31 - Jan. 28

February: Jan. 29 - Feb. 25

March: Feb. 26 - Mar. 30

April: Mar. 31 - Apr. 28

May: Apr. 29 - May 30

June: May 31 - Jun. 29

July: Jun. 30 - Jul. 28

August: Jul. 29 - Aug. 30

September: Aug. 31 - Sep. 29

October: Sep. 30 - Oct. 28

November: Oct. 29 - Nov. 29

December: Nov. 30 - Dec. 30

Are you a current member of Ulster Federal Credit Union?

*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 in order to qualify for the account’s rewards.  The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, credit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit or credit cards not issued by our credit union. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 2% cash back on up to a total of $20 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $10 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to $20 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $4.99 or higher. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of statement cycle. Rates and rewards are variable and may change after account is opened.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly enrollment in online banking, receipt of electronic statements are condition(s) of this account. Enrollment in electronic services (e.g. online banking and electronic statements) may be required to meet some of the account’s qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member Federally insured by NCUA. Kasasa and Kasasa Cash Back are trademarks of BancVue, Ltd., registered in the U.S.A.