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Free Kasasa Cash® Checking

Enjoy high dividend earnings and refunds on ATM withdrawal fees.*

Free Kasasa Cash® checking is free checking that pays you to bank with us. Earn up to 1.00% APY* just for doing simple activities you probably already do, like using your debit card.

You’ll also get refunds on ATM withdrawal fees, nationwide — so every ATM is your ATM, whether you’re in Ogdensburg, Canton, or anywhere else. Add free Kasasa Saver® to make saving easy.


  • 1.00% APY* on balances up to $25,000
  • 1.00% to 0.44% APY on balances over $25,000 depending on balance in account*
  • 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 service fee
  • Free online banking with bill pay
  • Free e-statements
  • Free mobile banking
  • Free debit card
  • No minimum deposit to open

It’s easy to earn your rewards!

To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 1 ACH credit or ACH payment transaction post and settle
  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive e-statements 

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.

Kasasa Cash Disclaimer:

*APY=Annual Percentage Yield. APYs are accurate as of 12/1/2020. Rates may change after account is opened. 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, debit card purchases processed by merchants and received by St. Lawrence Federal Credit Union (SLFCU) as ATM transactions and purchases made with non-SLFCU issued debit cards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) 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 $25,000 receive an APY of 1.00%, and balances over $25,000 earn .30% APY on the portion of balances over $25,000, resulting in a range from .44% to 1.00% APY depending on the account's balance and (2) you will receive reimbursements up to $25 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified.

When Kasasa Cash qualifications are not met, all balances in the account earn .05% APY and ATM fees are not refunded.

Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the statement cycle. Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, time frames, enrollments, logons and other requirements apply. There is no minimum deposit required to open the account.   An ACH credit or debit transaction per cycle and enrollment in e-statements are conditions of this account. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact a SLFCU financial services representative for additional information, details, restrictions, processing limitations and enrollment instructions. Kasasa & Kasasa Cash are trademarks of BancVue Ltd., registered in the U.S.A. Federally insured by NCUA.