Utilities Employees Credit Union
Feel the Power of automatic savings.
Ask for Kasasa Saver. It`s our superpower.
Link this free account to your Kasasa® checking — and build savings automatically while earning high dividends1Account 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 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..
Free account that builds your savings effortlessly
Links to free Kasasa Cash® or Kasasa Cash Back® checking2APY=Annual Percentage Yield. APYs accurate as of 1/1/2026. Fees may reduce earnings. Rates are variable and may change after an account is opened; rates may change without notice to you. You will receive disclosed qualifying dividends when you meet your linked Kasasa checking account qualifications during a Monthly Qualification Cycle. You will receive disclosed nonqualifying dividends if you do not meet your linked Kasasa checking account qualifications during a Monthly Qualification Cycle. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. Limit of one Kasasa Checking account per membership account. Rewards less than a penny cannot be distributed. Contact UECU at 800.288.6423 for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings3If your Kasasa Cash account is linked to a Kasasa Saver account, the qualifying or nonqualifying dividends earned, along with any qualifying ATM fee refunds are automatically transferred to the Kasasa Saver account within one day. If your Kasasa Cash Back account is linked to a Kasasa Saver account, and your monthly qualifications are met, the cash back payments and ATM fee refunds earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle. When your linked Kasasa checking account qualifications are not met your Kasasa Saver account will earn a lower nonqualifying APY as disclosed.
2.00% APY2APY=Annual Percentage Yield. APYs accurate as of 1/1/2026. Fees may reduce earnings. Rates are variable and may change after an account is opened; rates may change without notice to you. You will receive disclosed qualifying dividends when you meet your linked Kasasa checking account qualifications during a Monthly Qualification Cycle. You will receive disclosed nonqualifying dividends if you do not meet your linked Kasasa checking account qualifications during a Monthly Qualification Cycle. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. Limit of one Kasasa Checking account per membership account. Rewards less than a penny cannot be distributed. Contact UECU at 800.288.6423 for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. on balances up to and including $50,000
0.50% APY2APY=Annual Percentage Yield. APYs accurate as of 1/1/2026. Fees may reduce earnings. Rates are variable and may change after an account is opened; rates may change without notice to you. You will receive disclosed qualifying dividends when you meet your linked Kasasa checking account qualifications during a Monthly Qualification Cycle. You will receive disclosed nonqualifying dividends if you do not meet your linked Kasasa checking account qualifications during a Monthly Qualification Cycle. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. Limit of one Kasasa Checking account per membership account. Rewards less than a penny cannot be distributed. Contact UECU at 800.288.6423 for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. on balances over $50,000
0.05% APY2APY=Annual Percentage Yield. APYs accurate as of 1/1/2026. Fees may reduce earnings. Rates are variable and may change after an account is opened; rates may change without notice to you. You will receive disclosed qualifying dividends when you meet your linked Kasasa checking account qualifications during a Monthly Qualification Cycle. You will receive disclosed nonqualifying dividends if you do not meet your linked Kasasa checking account qualifications during a Monthly Qualification Cycle. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. Limit of one Kasasa Checking account per membership account. Rewards less than a penny cannot be distributed. Contact UECU at 800.288.6423 for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. on all balances if qualifications are not met in Kasasa Cash or Kasasa Cash Back
No monthly maintenance fee
No minimum balance to earn rewards
$0 minimum deposit to open
Open a Kasasa Checking and Saver Account.
Log into Mobile or Online Banking and select Open an Account.
Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Paperless statements must be turned on and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
At least 12 debit card purchases1Account 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 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.
At least 1 direct deposit or ACH payment transaction(s)
Go paperless and opt out of paper statements. Log into Mobile or Online banking and check the box for paperless Member Account Statements.
And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our nonqualifying rate on Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.
| Best For | Cash Back on Purchases | Enjoying Great Perks | Savings |
|---|---|---|---|
| Account | Kasasa Cash Back4For a Kasasa Cash Back account, you will receive 4.00% cash back on up to a total of $200.00 on debit card purchases that post and settle to the account during the Monthly Qualification Cycle. Transaction restrictions may apply. A maximum of $8.00 in cash back payments may be earned per Monthly Qualification Cycle. When your qualifications are not met, cash back payments are not made. Please see uecu.org/kasasacashback for additional terms, conditions, and benefits of a Kasasa Cash Back account.® Checking | Kasasa Cash® Checking | Kasasa Saver® |
| Monthly Rewards | 4.00% cash back4For a Kasasa Cash Back account, you will receive 4.00% cash back on up to a total of $200.00 on debit card purchases that post and settle to the account during the Monthly Qualification Cycle. Transaction restrictions may apply. A maximum of $8.00 in cash back payments may be earned per Monthly Qualification Cycle. When your qualifications are not met, cash back payments are not made. Please see uecu.org/kasasacashback for additional terms, conditions, and benefits of a Kasasa Cash Back account. on everyday debit card purchases – Earn up to $8 cash back per month, $96 per year when qualifications are met. No minimum balance to earn rewards. | 5.00% APY5APY=Annual Percentage Yield. APYs accurate as of 1/1/2026. Fees may reduce earnings. Rates are variable and may change after an account is opened; rates may change without notice to you. You will receive disclosed qualifying dividends when you meet your account’s qualifications during a Monthly Qualification Cycle. You will receive disclosed nonqualifying dividends if you do not meet your account’s qualifications during a Monthly Qualification Cycle. Please see uecu.org/kasasacash for additional terms, conditions, and benefits of a Kasasa Cash account. on balances up to and including $15,000, 0.35% APY5APY=Annual Percentage Yield. APYs accurate as of 1/1/2026. Fees may reduce earnings. Rates are variable and may change after an account is opened; rates may change without notice to you. You will receive disclosed qualifying dividends when you meet your account’s qualifications during a Monthly Qualification Cycle. You will receive disclosed nonqualifying dividends if you do not meet your account’s qualifications during a Monthly Qualification Cycle. Please see uecu.org/kasasacash for additional terms, conditions, and benefits of a Kasasa Cash account. on balances over $15,000, 0.05% APY5APY=Annual Percentage Yield. APYs accurate as of 1/1/2026. Fees may reduce earnings. Rates are variable and may change after an account is opened; rates may change without notice to you. You will receive disclosed qualifying dividends when you meet your account’s qualifications during a Monthly Qualification Cycle. You will receive disclosed nonqualifying dividends if you do not meet your account’s qualifications during a Monthly Qualification Cycle. Please see uecu.org/kasasacash for additional terms, conditions, and benefits of a Kasasa Cash account. on all balances if qualifications aren’t met. No minimum balance to earn rewards and No monthly maintenance fee. | 2.00% APY2APY=Annual Percentage Yield. APYs accurate as of 1/1/2026. Fees may reduce earnings. Rates are variable and may change after an account is opened; rates may change without notice to you. You will receive disclosed qualifying dividends when you meet your linked Kasasa checking account qualifications during a Monthly Qualification Cycle. You will receive disclosed nonqualifying dividends if you do not meet your linked Kasasa checking account qualifications during a Monthly Qualification Cycle. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. Limit of one Kasasa Checking account per membership account. Rewards less than a penny cannot be distributed. Contact UECU at 800.288.6423 for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. on balances up to and including $50,000, 0.50% APY2APY=Annual Percentage Yield. APYs accurate as of 1/1/2026. Fees may reduce earnings. Rates are variable and may change after an account is opened; rates may change without notice to you. You will receive disclosed qualifying dividends when you meet your linked Kasasa checking account qualifications during a Monthly Qualification Cycle. You will receive disclosed nonqualifying dividends if you do not meet your linked Kasasa checking account qualifications during a Monthly Qualification Cycle. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. Limit of one Kasasa Checking account per membership account. Rewards less than a penny cannot be distributed. Contact UECU at 800.288.6423 for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. on balances over $50,000, and 0.05% APY%2APY=Annual Percentage Yield. APYs accurate as of 1/1/2026. Fees may reduce earnings. Rates are variable and may change after an account is opened; rates may change without notice to you. You will receive disclosed qualifying dividends when you meet your linked Kasasa checking account qualifications during a Monthly Qualification Cycle. You will receive disclosed nonqualifying dividends if you do not meet your linked Kasasa checking account qualifications during a Monthly Qualification Cycle. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. Limit of one Kasasa Checking account per membership account. Rewards less than a penny cannot be distributed. Contact UECU at 800.288.6423 for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. on all balances if qualifications are not met in Kasasa Checking. No monthly maintenance fee and No minimum balance to earn rewards. |
| Monthly Maintenance Fee | $0 | $0 | $0 |
| Refunds on ATM Withdrawal Fees | Refunds on ATM withdrawal fees, nationwide (up to $12 monthly6You will receive a refund up to an aggregate total of $12.00 for nationwide ATM fee refunds incurred within your Kasasa Cash account when the account qualifications are met during a Monthly Qualification Cycle. If qualifications are not met, ATM fee refunds are not refunded.) | Refunds on ATM withdrawal fees, nationwide (up to $12 monthly6You will receive a refund up to an aggregate total of $12.00 for nationwide ATM fee refunds incurred within your Kasasa Cash account when the account qualifications are met during a Monthly Qualification Cycle. If qualifications are not met, ATM fee refunds are not refunded.) | - |
| Free Mobile & Online Banking Access | Yes | Yes | Yes |
| Free Debit Card | Yes | Yes | No |
| Minimum Deposit to Open | $0 | $0 | $0 |
Have Questions? Need Help?
Call 800.288.6423 or chat with us online.
Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
Disclosures:
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 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.
APY=Annual Percentage Yield. APYs accurate as of 1/1/2026. Fees may reduce earnings. Rates are variable and may change after an account is opened; rates may change without notice to you. You will receive disclosed qualifying dividends when you meet your linked Kasasa checking account qualifications during a Monthly Qualification Cycle. You will receive disclosed nonqualifying dividends if you do not meet your linked Kasasa checking account qualifications during a Monthly Qualification Cycle. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. Limit of one Kasasa Checking account per membership account. Rewards less than a penny cannot be distributed. Contact UECU at 800.288.6423 for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
If your Kasasa Cash account is linked to a Kasasa Saver account, the qualifying or nonqualifying dividends earned, along with any qualifying ATM fee refunds are automatically transferred to the Kasasa Saver account within one day. If your Kasasa Cash Back account is linked to a Kasasa Saver account, and your monthly qualifications are met, the cash back payments and ATM fee refunds earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle. When your linked Kasasa checking account qualifications are not met your Kasasa Saver account will earn a lower nonqualifying APY as disclosed.
