Free Kasasa Cash Back® Checking with Purpose

Earn 4% cash back on debit card purchases, enjoy free ATM access on one of the nation's largest networks, and refunds on any ATM withdrawal fee that falls out of network.*

It's like being rewarded for doing what you always do! You'll also help an animal shelter simply by being an account holder.


Refunds on ATM Withdrawal Fees


Cash Back Rewards


Link to Kasasa Saver®
Build Savings Automatically


No Monthly Maintenance Fees

Earn 4.00% Cash Back on Debit Card Purchases!*


Details

Regardless of whether you qualify for rewards each month, you will always be supporting a humane society and your account will always be free!

  • Free checking that pays you back
  • Earn 4.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $200 in purchases monthly
    • Earn up to $96 cash back per year, $8 per month
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
    • Per transaction limits: $4.99 per transaction; $5 calculated fee divisor
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free online banking with bill pay
    • Free E-Statements
    • Free mobile banking
  • Free Mastercard® debit card
  • $5 minimum deposit to open new membership

Supporting a Pet Shelter is Easy.

Arapahoe Credit Union, like any organization, has a budget for general marketing and communication. We have made a concerted effort to make those dollars go further and try to achieve some good at the same time. Instead of giving complicated bonuses to very few people, we would instead like to direct that money to a noble cause. So, at the end of each month, we will total the amount of Kasasa Cash Back accounts we have on file and donate $1 per account to a local humane society (currently, the Humane Society of the South Platte Valley). The donation may only be delivered every six months for ease of processing, but it will include a total of all monthly donations.

Qualifying for Kasasa Cash Back Rewards is Easy.

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and log into online banking
  • At least 1 direct deposit, ACH payment, or bill pay transaction

And if you don’t meet these qualifications, don’t worry — your account is still free. As a plus, you can get right back to earning your full rewards the very next cycle that you qualify.

Qualification Information: To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH credit, or ACH payment transaction(s)
  • At least 12 debit card purchases
  • Be enrolled in and log into online banking

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 our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means the current statement cycle.

*Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4% cash back on up to a total of $200 debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back payments may be earned per Monthly Qualification Cycle. When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4% cash back on up to a total of $200 debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed.

Additional Information: Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of account per Social Security Number. There are no recurring monthly maintenance charges or fees to open this account. Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. Your Savings Insured To $250,000 Per Account.

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

Cycle Date Information:

The following dates apply to our Kasasa account(s). Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. Please refer to your account's Truth In Savings disclosure for your account's specific qualification requirements. To qualify for your account's rewards, all of your account's qualifying transactions must post and settle to your specific Kasasa account within the Monthly Qualification Cycle dates stated below. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning your account's rewards. 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 your account's rewards.

Monthly Qualification Cycle Statement Cycle
Month Year Begin End Begin End
January 2021 12/30/2020 1/30/2021 01/01/2021 01/31/2021
February 2021 01/31/2021 02/27/2021 02/01/2021 02/28/2021
March 2021 02/28/2021 03/30/2021 03/01/2021 03/31/2021
April 2021 03/31/2021 04/29/2021 04/01/2021 04/30/2021
May 2021 04/30/2021 05/30/2021 05/01/2021 05/31/2021
June 2021 05/31/2021 06/27/2021 06/01/2021 06/28/2021
July 2021 06/28/2021 07/30/2021 06/29/2021 07/31/2021
August 2021 07/31/2021 08/29/2021 08/01/2021 08/30/2021
September 2021 08/30/2021 09/27/2021 08/31/2021 09/30/2021
October 2021 09/28/2021 10/30/2021 10/01/2021 10/31/2021
November 2021 10/31/2021 11/28/2021 11/01/2021 11/29/2021
December 2021 11/29/2021 12/30/2021 11/30/2021 12/31/2021
January 2022 12/31/2021 1/30/2022 01/01/2022 01/31/2022
February 2022 01/31/2022 02/28/2022 02/01/2022 02/29/2022
March 2022 02/29/2022 03/30/2022 03/01/2022 03/31/2022
April 2022 03/31/2022 04/29/2022 04/01/2022 04/30/2022
May 2022 04/30/2022 05/29/2022 05/01/2022 05/31/2022
June 2022 05/30/2022 06/29/2022 06/01/2022 06/30/2022
July 2022 06/30/2022 07/30/2022 07/01/2022 07/31/2022
August 2022 07/31/2022 08/29/2022 08/01/2022 08/31/2022
September 2022 08/30/2022 09/29/2022 09/01/2022 09/30/2022
October 2022 09/30/2022 10/30/2022 10/01/2022 10/31/2022
November 2022 10/31/2022 11/28/2022 11/01/2022 11/30/2022
December 2022 11/29/2022 12/30/2022 12/01/2022 12/31/2022

Future Monthly Qualification Cycle and Statement Cycle dates for our Kasasa accounts will be available to you via our website or through one of our Service Representatives within one of our branches.

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