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It can overwhelming to think about changing your checking account–even if it lacks benefits and you have to pay fees just to have it. But, imagine if someone would help you make the switch, so you could say goodbye to service fees and hello to rewards, just for using your account. Good news, we’ve got you covered!

How to Make the Switch

We’re making it easy for members to dump their old checking account to switch to a more rewarding HCCU Kasasa Checking account. Simply:

1. Choose your style of rewards. 

• Earn 4.25% APY* with Kasasa Cash Checking¹
• Earn 2% Cash Back with Kasasa Cash Back Checking²
• Earn refunds for iTunes®, Amazon®, or Google Play™ with Kasasa Tunes Checking³

2. Open your account online.

3. Contact us to schedule a convenient time to meet with a member service representative to review your account and identify any steps you need to take to complete your transition.

Common Questions

As a community credit union, do your Kasasa checking accounts offer features equivalent to larger financial institutions? Yes! Our checking accounts are equipped with must-have innovative features like online banking, bill pay, eStatements, mobile banking and mobile deposit, person-to-person transfers via Zelle, and more. Unlike many large financial institutions, you have access to these services for free.

How can your Kasasa checking account compete with national financial institutions in terms of availability? As part of the CO-OP network, members with our checking accounts have access to over 30,000 surcharge-free ATMs nationwide. That’s more access than most of the largest banks. Additionally, with all of our HCCU Kasasa accounts, you can receive up to $25/month in refunds on ATM withdrawal fees nationwide.⁴

Are there requirements to earn rewards? To earn your rewards, you simply need to make at least 12 debit card purchases per month and log into online or mobile banking.

^{*APY=Annual Percentage Yield.}

¹Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings. When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances in your Kasasa Cash account up to $25,000 receive APY of 4.25%; and balances over $25,000 earn 0.15% dividend rate on the portion of balance over $25,000, resulting in a range from 4.25% to 0.97% APY depending on the account’s balance and (2) you will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees imposed by other financial institutions and 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 withdrawal fees are not refunded. To receive Kasasa Cash and ATM withdrawal fee reimbursement rewards, you must access your Kasasa Cash account through online banking, mobile banking or text banking at least once during the Monthly Qualification Cycle and conduct at least 12 posted PIN-based or signature-based debit card merchant transactions during the Monthly Qualification Cycle. Transactions may take one or more banking days from the date the transaction was made to post to your account. Transactions that have been initiated but not posted as of the end of the cycle will not count as a qualifying transaction for that cycle but will count in the following cycle when they post to your account. “Monthly Qualification Cycle” means the current Statement Cycle. “Statement Cycle” means the period of time covered by the statement for your account. The statement cycle begins on the first day of the calendar month and ends on the last day of the calendar month. Failure to maintain monthly enrollment in eStatements will require the closure of your Kasasa Cash account. Limit 1 Kasasa Checking account per social security number. There is no minimum balance required to obtain the advertised annual percentage yield, but a $25 minimum deposit is required to open this account. APY = Annual Percentage Yield. APY accurate as of 07/01/2023.

Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

²Rewards are variable and may change after account is opened. When your Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, you will receive (1) 2.00% cash back on up-to a total of $400 PIN-based or signature-based debit card purchases that post and settle to the account during that Monthly Qualification Cycle. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. And, (2), you will also receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. To receive Kasasa Cash Back and ATM withdrawal fee reimbursement rewards, you must access your Kasasa Cash Back account through ehccu-online banking, Mobile eBanking, or text banking at least once during the Monthly Qualification Cycle and conduct at least 12 posted PIN-based or signature-based debit card merchant transactions during the Monthly Qualification Cycle. Transactions may take one or more banking days from the date the transaction was made to post to your account. Transactions that have been initiated but not posted as of the end of the cycle will not count as a qualifying transaction for that cycle, but will count in the following cycle when they post to your account. “Monthly Qualification Cycle” means the current Statement Cycle. “Statement Cycle” means the period of time covered by the statement for your account. The statement cycle begins on the first day of the calendar month and ends on the last day of the calendar month. Failure to maintain monthly enrollment in eStatements will require the closure of your Kasasa Cash Back account. Limit 1 Kasasa Checking account per social security number.

³Rewards are variable and may change after account is opened. As a sign Up Bonus, when you open and fund your new Kasasa Tunes account, you will be refunded up to an aggregate total of $50 (which includes any applicable taxes) for iTunes, Amazon.com or Google Play purchases made with your Kasasa Tunes debit card that post and settle to your account during the first 60 calendar days after your account is opened. This refund will be credited to your account on the first day of the following statement cycle in which your aggregate iTunes, Amazon.com or Google Play purchase threshold of $50 posts and settles to your account. Any portion of the Sign Up Bonus that is not used within the stated time period will be forfeited. Sign Up Bonus will be treated as dividends for IRS (Form 1099 INT) reporting purposes. No minimum balance is required to obtain this bonus, but a $25 minimum deposit is required to open the account. In addition, when Kasasa Tunes qualifications are met during a Monthly Qualification Cycle: (1) you will earn up to an aggregate total of $10 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com or Google Play purchases must be made with your Kasasa Tunes debit card and must post and settle to your account no more than 32 days after the Monthly Qualification Cycle in which you qualified ends. And, (2), you will also receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. When Kasasa Tunes qualifications are not met, no iTunes, Amazon.com or Google Play refunds are made and ATM withdrawal fees are not reimbursed. To receive Kasasa Tunes and ATM withdrawal fee reimbursement rewards, you must access your Kasasa Tunes account through ehccu-online banking, Mobile eBanking or text banking at least once during the Monthly Qualification Cycle and conduct at least 12 posted PIN-based or signature-based debit card merchant transactions during the Monthly Qualification Cycle. Transactions may take one or more banking days from the date the transaction was made to post to your account. Transactions that have been initiated but not posted as of the end of the cycle will not count as a qualifying transaction for that cycle, but will count in the following cycle when they post to your account. “Monthly Qualification Cycle” means the current Statement Cycle. “Statement Cycle” means the period of time covered by the statement for your account. The statement cycle begins on the first day of the calendar month and ends on the last day of the calendar month. Failure to maintain monthly enrollment in eStatements will require the closure of your Kasasa Tunes account. Limit 1 Kasasa Checking account per social security number.

⁴You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. When Kasasa Checking Account monthly qualifications are not met ATM withdrawal fees are not refunded. To receive ATM withdrawal fee reimbursement rewards, you must access your Kasasa Checking account through online banking, mobile banking or text banking at least once during the Monthly Qualification Cycle and conduct at least 12 posted PIN-based or signature-based debit card merchant transactions during the Monthly Qualification Cycle.