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Kasasa Cash® is a free checking account that pays you 2.00% APY on balances up to $10,000 in the checking account per month [receive 2.00% - 0.32% APY on balances over $10,000, and 0.05% APY if qualification aren't met]. Also receive up to $20.00/per month back on nationwide ATM fees.

In order to qualify for the account rewards, simply do these three things:

  1. Sign up for and log in to online banking at least once per month
  2. Sign up for and receive e-statements
  3. Use your debit card at least 12 times throughout the monthly qualification cycle

If qualifications are not met during the monthly qualification cycle, then you won't receive the rewards for the month. Otherwise, it acts as a FREE checking account.


Our reward checking account can be paired with a Kasasa Saver® account that receives a higher interest rate, as long as you qualify for the rewards that month. Earn up to 0.50% APY if reward qualifications are met, and 0.03% APY if reward qualifications are not met.


We offer Visa Debit Cards, Card-Nav Debit Card Controls, Online Banking, Remote Deposit Capture, Mobile Wallet, Nationwide ATMs, E-Statements, as well as personal, friendly service.



Dec. 30-Jan.30


Jan. 31-Feb.28


Feb. 29-Mar.29


Mar. 30- Apr.29


Apr. 30-May 30


May 31-Jun.28


Jun. 29-Jul.30




Aug. 31-Sep.28


Sep. 29-Oct.30


Oct. 31-Nov.29


Nov. 30-Dec.30


Be a member! Membership is open to anyone who lives, works, worships, volunteers, or attends school in Ulster County, New York. Once you are a member, you are always a member.

If you are an existing member, Kasasa accounts can be added to your current account at any of our branch locations, or online.

If you are a non-member, and wish to open a Kasasa Cash® Checking Account (with optional Kasasa Saver® Account), you must become a member by opening a Member Savings Account of at least $25.00. This can be done at any branch, or online. 


  • An unexpired government issued photo ID
  • Another form of ID [Debit/Credit Card, Utility Bill, etc.]
  • Social Security Number or Individual Taxpayer Identification Number
  • Proof of physical address [if the address on your ID is not current]
  • $25.00 for member savings account deposit

View Rates Financial Calculator Reorder Checks

*See below for Account Disclosures.

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.