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Who needs so-called free checking when there’s free Kasasa® checking? Unlike those other guys, Kasasa Cash® actually pays you back! You'll get up to 2.00% APY* on balances up to $10,000. Plus, you can make any ATM your ATM — not just in lovely New York, but anywhere in the country. We’ll also refund your fees, nationwide.* To qualify just do the banking basics — things that you’re probably already doing anyway. Get paid to bank, get Kasasa.

View Rates Financial Calculator Reorder Checks

  • Free checking that pays high dividends
    • 2.00% APY* on balances up to $10,000
    • 2.00% to 0.32% APY on balances over $10,000 depending on balance in account*
    • 0.05% APY* if qualifications aren't met
  • Refunds on ATM fees, nationwide (up to $20 monthly)*
  • Can link to Kasasa Saver® for automatic savings
  • No minimum balance to earn rewards
  • No monthly service fee
  • 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

We know you want to earn our highest rate

So we’ve made 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 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 it! And if for some reason you don’t qualify, don’t stress it. Your account is always free, plus you still earn our base dividend rate. You can get back to earning your full rewards the very next monthly qualification cycle.


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 your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $10,000 receive APY of 2.0%; and balances over $10,000 earn .15% interest rate on the portion of balance over $10,000, resulting in a range from .32% to 2.0% APY depending on the account’s balance and (2) you will receive reimbursements up to $20.00 ($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 qualifications are not met, all balances in the account earn .05% APY and ATM fees are not refunded. Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of statement cycle. APY = Annual Percentage Yield. APYs accurate as of 10/1/2015. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

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 and receipt of electronic statements are a condition 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 are trademarks of BancVue, Ltd., registered in the U.S.A.