Our Checking Accounts

Meet our featured accounts by Kasasa®. Kasasa is all about rewarding those who support their communities by banking locally — people like you! Choose whether you want to earn a high rate on your balance (Kasasa Cash®) or earn refunds on your debit card purchases (Kasasa Cash Back®). Even more, Kasasa checking account holders have exclusive access to sign up for our free Kasasa Saver account too!

FREE KASASA CASH®

Earn really high dividends on your balance with this free, rewards-earning share draft (checking) account!

Apply online in minutes!

Details

  • Free checking that pays really high dividends
    • 2.50% APY* on balances up to $20,000
    • 2.50% to 0.62% APY on balances over $20,000 depending on balance in account*
    • 0.05% APY* if qualifications aren’t met
  • Refunds on ATM withdrawal fees, nationwide* (up to $25 per monthly cycle)
  • Can link to Kasasa Saver® account to build and earn savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free digital banking, including:
    • Online banking with bill pay
    • Free mobile banking
    • Free e-Statements
  • Free debit card
  • Nationwide Shared Branching via the Allpoint ATM network
  • $25 minimum deposit to open

It’s Easy to Qualify

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 (see page 6 of the Kasasa Cash Disclosure).

  • At least 12 debit card purchases
  • Be enrolled in eStatements
  • At least 1 direct deposit, ACH payment, or bill pay transaction

Even if you don’t meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you’ll still earn our base dividend rate, and the very next month you can get right back to earning your full rewards.

*Terms and conditions apply. See details and disclaimer here.

 

FREE KASASA CASH BACK®

Get cash back on your debit card purchases with this free, rewards-earning share draft (checking) account!

Apply online in minutes!

Details

  • Free checking that pays you back
  • 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, $8.00 per month
  • Can link to Kasasa Saver® account to build and earn savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free digital banking, including:
    • Online banking with bill pay
    • Free mobile banking
    • Free e-Statements
  • Free debit card
  • Nationwide Shared Branching via the Allpoint ATM network
  • $25 minimum deposit to open

Qualifying is Easy

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle (see page 5 of the Kasasa Cash Back disclosure).

  • At least 12 debit card purchases
  • Be enrolled in eStatements
  • At least 1 direct deposit, ACH payment, or bill pay transaction

Even if you don’t meet your qualifications during the cycle, your Kasasa Cash Back account is still free. Plus, you can get right back to earning your full rewards the very next month!

*Terms and conditions apply. See details and disclaimer here.

 

Tradional Checking Account

Using drafts (the Credit Union lingo for checks), this account operates as a regular checking account. The following services are included: 

  • No monthly maintenance fees
  • First order of checks included
  • Free digital banking, including:
    • Online banking with bill pay
    • Free mobile banking
    • Free e-Statements
  • Free debit card
  • Nationwide Shared Branching via the Allpoint ATM network
  • $25 minimum deposit to open

 

Protect Your Account with Member Privilege!

If you opt in, we tie your share draft account to our member privilege service.

At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly and potentially embarrassing experience.

At UBI Federal Credit Union, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly, however, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned.

That's why we provide "Member Privilege", a special overdraft service for UBI Federal Credit Union's members.