
Kasasa® Cash Checking
Free Checking with High-Yield Interest
Earn 1.50% APY interest on up to $50,000 account balance and ATM withdrawal fee refunds¹
To Qualify for Rewards
- Fifteen (15) individual or combined debit or credit card transactions of $5.00 or more post or settle
- AND one automatic ACH payment or direct deposit post and settle
- AND go paperless! Sign up to receive eStatements and decline paper statements
Kasasa® Cash Checking Account Benefits
- Free checking with no minimum balance required
- Get your direct deposit up to 2 days early*
- Courtesy Pay²
- Opening deposit minimum: $100
- Earn a minimum of 0.01% APY interest1
†Qualification Cycle = a period beginning one day prior to the first day of the Monthly Statement Cycle through one day prior to the close of the Monthly Statement Cycle. Transactions may take one or more banking days from the date the transaction was made to post to and settle account.
1APY = Annual Percentage Yield. Kasasa Cash qualifications that must be met to obtain the 1.50% APY and ATM Withdrawal Fee refunds include: 1. Fifteen (15) individual or combined debit card or credit card transactions of at least $5.00 or more each (transactions may take more than one day to post/settle to your account); AND 2. Have at least one (1) automatic ACH payment or direct deposit post and settle; AND 3. Sign up and agree to receive eStatements and decline paper statements. ATM transactions or transfers between accounts not valid for qualifying. Qualifying transactions must post to and settle account during monthly qualification cycle (Qualification cycle = one day before beginning of statement cycle through one day before end of statement cycle. Statement cycle = first day of month through last day of month.) If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal fees incurred during qualification cycle will be reimbursed up to an aggregate of $15 and credited to account on the last day of monthly statement cycle; (b) balances up to $50,000 receive APY of 1.50%; and (c) balances over $50,000 earn 0.10% APY on portion of balance over $50,000, resulting in 1.50% to 0.57% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Minimum to open is $100. Fees may reduce earnings (see fee schedule). Limit one account per household.
²Courtesy Pay is available to qualified members after 2 days and overdraft fees apply. See Rates & Fees page for current fees. Please view the Courtesy Pay Guide(Opens in a new Window) here.
View the Truth-In-Savings Disclosure(Opens in a new Window).
Why Choose Kasasa® Cash Checking?
Free Checking Account
Earn Interest at 1.50% APY¹
ATM Withdrawal Fee Refunds¹
No Minimum Balance
Get paid up to 2 days early.*
*Neighborhood Credit Union may give early access to direct deposit funds from your employer, payments and credits into your account, or government deposits and payments depending on when the deposit or payment file is submitted to Neighborhood CU. Weekends or bank holidays may affect the posting date. As a result, the availability or timing of early direct deposit may vary from pay period to pay period. Fraud prevention restrictions may apply and delay early availability of funds. Early availability is not guaranteed. Additional restrictions may apply.

All Neighborhood Credit Union checking accounts feature:
Calculate your Kasasa® Cash Checking Rewards
Courtesy Pay
Surcharge-Free ATMs
Shared Branching
Earn Cash, Refer a Friend
Send Money with Zelle®
GreenPath Financial Wellness
Want to compare our accounts side by side?

Account Type | Summary | ATM Refunds² | High Yield Interest APY¹ | Opening Deposit | Monthly Fee |
---|---|---|---|---|---|
Kasasa® Cash |
Free checking with high-yield interest.
|
Yes | 0.01% - 1.50% | $100 | $0 |
Kasasa® cash back |
Free checking with cash back rewards.
|
Yes | No | $25 | $0 |
Priority |
Low Opening Deposit and Overdraft Fee Forgiveness.
|
No | No | $25 | $11.99 |
Fresh Start |
Ideal for those with less-than-perfect checking needing to get back on their feet.
|
No | No | $25 | $20 |
Minor/Student Accounts |

MyNCU Mobile App
Frequently Asked Questions
Kasasa® is an award-winning financial technology company that provides reward checking accounts and ongoing expert consulting services to community financial institutions like Neighborhood Credit Union.
Through Kasasa, we are able to bring you two amazing free checking accounts where you can choose which rewards are more important to you: high-yield interest with Kasasa Cash Checking or cash back with Kasasa Cash Back.
- visit our online portal to open a checking or savings account
- apply for a loan online
- make an appointment to visit one of our branches,
- and by phone.
Complete the following requirements each Qualification Cycle† to qualify for rewards for either Kasasa checking account:
- Fifteen (15) individual or combined debit or credit card transactions of $5.00 or more post or settle
- AND one automatic ACH payment or direct deposit post and settle
- AND go paperless! Sign up to receive eStatements and decline paper statements