Rates
Our cash back checking account puts up to $16 back into your account every month.1
Level 1
2.00% cash back
on purchases on up to $400
A maximum of $8 a month or $96 year
Refunds on ATM fees, nationwide1
Monthly Qualifications
- At least 12 debit card transactions
- Be enrolled in and log into Online Banking
Level 2
3.00% cash back
on purchases on up to $400
A maximum of $12 a month or $144 year
Refunds on ATM fees, nationwide1
Monthly Qualifications
- At least 20 debit card transactions
- Be enrolled in and log into Online Banking
Level 3
4.00% cash back
on purchases on up to $400
A maximum of $16 a month or $256 year
Refunds on ATM fees, nationwide1
Monthly Qualifications
- At least 25 debit card transactions
- Be enrolled in and log into Online Banking
- Maintain a Heritage CCU loan
Each month, you can earn up to $16 cash back on up to $400 in purchases. That means you can earn up to $256 a year! You can also check out our other levels of earnings available.
Details About Our Free Checking Account
Free Kasasa Cash Back Checking Account FAQs
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How much cash back can I earn?
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Answer: You can earn 2.00% cash back on your debit card purchases on up to $400 purchases in any given month.
This can equal up to $8 a month or $96 a year.
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Is there a monthly fee or minimum balance to maintain a Cash Back checking account? ?
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Answer: You need a $25 minimum deposit to open an account, but after that there's no monthly fee or minimum balance to earn rewards.
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How can I qualify to earn cash back each month?
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You simply need to make at least 12 debit card purchases a month and use Mobile Banking.
You'll likely find that you easily do these things as part of your everyday banking anyway!
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What purchases can qualify to earn cash back? ?
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Answer: There are no category restrictions on the purchases that can earn cash back.
Just be sure to use your debit card with your free Kasasa Cash Back account to pay for all of your favorite products and services.
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Do I need to be a member of Heritage Community Credit Union to open a free Kasasa Cash Back account?
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Answer: Yes, you do need to be a member—and we can easily help you become one when you open your account.
To be eligible for membership you need to live, work, worship, or attend school in these counties:
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Sacramento
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Placer
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El Dorado
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Yolo
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San Joaquin Counties
Also, any California resident who is a member of our affiliated organization, the Financial Fitness Association, may join.
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1Rewards are variable and may change after the account is opened. Fees may reduce earnings. Reward Information: When Kasasa Cash Back - Multi Level account qualifications are met during a Monthly Qualification Cycle, you will receive Level 1 Rewards: you will receive 2.00% cash back up to a total of $400 on 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. Level 2 Rewards: you will receive 3.00% cash back up to a total of $400 on PIN-based or signature-based debit card purchases that post and settle to the account during that Monthly Qualification Cycle. A maximum of $12.00 cash back may be earned per Monthly Qualification Cycle. Level 3 Rewards: you will receive 4.00% cash back up to a total of $400 on PIN-based or signature-based debit card purchases that post and settle to the account during that Monthly Qualification Cycle. A maximum of $16.00 cash back may be earned per Monthly Qualification Cycle. All three levels will also receive ATM reimbursements up to an aggregate total of $20.00 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 Backs and ATM withdrawal fee reimbursement rewards, Level 1 – you must access your Kasasa Cash Back account through online banking or mobile banking at least once during the Monthly Qualification Cycle and conduct at least 12 posted debit card merchant transactions during the Monthly Qualification Cycle. Level 2 – you must access your Kasasa Cash Back account through online banking or mobile banking at least once during the Monthly Qualification Cycle and conduct at least 20 posted debit card merchant transactions during the Monthly Qualification Cycle. Level 3 – you must access your Kasasa Cash Back account through online banking or mobile banking at least once during the Monthly Qualification Cycle and conduct at least 25 posted debit card merchant transactions and have at least 1 designated loan in good standing with our institution during the Monthly Qualification Cycle. See a Service Representative for list of qualifying loans. All 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 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. There is no minimum balance required, but a $25 minimum deposit is required to open this account.
Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A
