Free Kasasa Cash Back® Checking with Purpose

Earn 3% 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 3.00% Cash Back on Debit Card Purchases!*


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 3.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $200 in purchases monthly
    • Earn up to $72 cash back per year, $6 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

Supporting a Pet Shelter is Easy.

Arapahoe Credit Union, like an 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 and you’ll earn our base rate. 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. "Monthly Qualification Cycle" means the current rewards cycle which ranges from the last day of one month until the second to last day of the following month.

*Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 3% 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 $6.00 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. Data carrier rates may apply. 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 2019 12/30/2019 1/30/2019 01/01/2019 01/31/2019
February 2019 01/31/2019 02/27/2019 02/01/2019 02/28/2019
March 2019 02/28/2019 03/30/2019 03/01/2019 03/31/2019
April 2019 03/31/2019 04/29/2019 04/01/2019 04/30/2019
May 2019 04/30/2019 05/30/2019 05/01/2019 05/31/2019
June 2019 05/31/2019 06/27/2019 06/01/2019 06/28/2019
July 2019 06/28/2019 07/30/2019 06/29/2019 07/31/2019
August 2019 07/31/2019 08/29/2019 08/01/2019 08/30/2019
September 2019 08/30/2019 09/27/2019 08/31/2019 09/30/2019
October 2019 09/28/2019 10/30/2019 10/01/2019 10/31/2019
November 2019 10/31/2019 11/28/2019 11/01/2019 11/29/2019
December 2019 11/29/2019 12/30/2020 11/30/2019 12/31/2020
January 2020 12/31/2020 1/30/2020 01/01/2020 01/31/2020
February 2020 01/31/2020 02/28/2020 02/01/2020 02/29/2020
March 2020 02/29/2020 03/30/2020 03/01/2020 03/31/2020
April 2020 03/31/2020 04/29/2020 04/01/2020 04/30/2020
May 2020 04/30/2020 05/29/2020 05/01/2020 05/31/2020
June 2020 05/30/2020 06/29/2020 06/01/2020 06/30/2020
July 2020 06/30/2020 07/30/2020 07/01/2020 07/31/2020
August 2020 07/31/2020 08/29/2020 08/01/2020 08/31/2020
September 2020 08/30/2020 09/29/2020 09/01/2020 09/30/2020
October 2020 09/30/2020 10/30/2020 10/01/2020 10/31/2020
November 2020 10/31/2020 11/28/2020 11/01/2020 11/30/2020
December 2020 11/29/2020 12/30/2021 12/01/2020 12/31/2021

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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