Utilities Employees Credit Union
Kasasa Checking
Free Kasasa Cash Checking.
Enjoy free checking that pays. Earn high dividends and refunds on ATM withdrawal fees, nationwide.
Free checking that pays high dividends when monthly qualifications are met
5.00% APY1APY=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. “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. 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 $15,000
0.35% APY1APY=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. “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. 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 $15,000
0.05% APY1APY=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. “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. 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 aren’t met
Refunds on ATM withdrawal fees, nationwide (up to $12 monthly)2You 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.
Link to free Kasasa Saver® to build savings automatically3A Kasasa Cash account is required to have a Kasasa Saver account. If your Kasasa Cash account is linked to a Kasasa Saver account, the qualifying or nonqualifying dividends earned within the Kasasa Cash account do not compound since it, along with any qualifying ATM fee refunds are automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause a negative balance to your Kasasa Cash account if the account balance is less than the transferred amount when the transfer occurs. Please see uecu.org/kasasasaver for terms and conditions. Please see uecu.org/kasasasaver for additional terms, conditions, and benefits of a Kasasa Saver account.
No minimum balance to earn rewards
No monthly maintenance fee
$0 minimum deposit to open
Free Checks - First set is free4First free set is limited to one style.
Loan discount – 0.25% off new term5An active checking account with at least one transaction per month may provide a rate reduction of .25% on select loan types. Exclusions apply, not all loan types are eligible for the .25% rate reduction, see credit union for details.
Open an Account and Start Earning Kasasa Rewards!
Become a member and open your account.
Log into Mobile or Online Banking and open your account.
To get started, log into your account and send a secure message. Select the topic for Convert Checking Account, and let us know which Kasasa Checking Account you prefer.
Looking to get started? Have additional questions?
Call 800.288.6423
Here’s how to earn your Kasasa® rewards…
Paperless statements 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:
Go paperless and opt out of paper statements. Log into Mobile or Online banking and check the box for paperless Member Account Statements.
At least 1 direct deposit or ACH payment
At least 12 debit card purchases6Account 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.
Plus, there are no additional qualifications to earn a higher Kasasa Saver rate. Just meet your Kasasa checking qualifications and get a higher rate on your savings, too!
Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
Disclosures:
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 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. “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. 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.
You 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.
A Kasasa Cash account is required to have a Kasasa Saver account. If your Kasasa Cash account is linked to a Kasasa Saver account, the qualifying or nonqualifying dividends earned within the Kasasa Cash account do not compound since it, along with any qualifying ATM fee refunds are automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause a negative balance to your Kasasa Cash account if the account balance is less than the transferred amount when the transfer occurs. Please see uecu.org/kasasasaver for terms and conditions. Please see uecu.org/kasasasaver for additional terms, conditions, and benefits of a Kasasa Saver account.
First free set is limited to one style.
An active checking account with at least one transaction per month may provide a rate reduction of .25% on select loan types. Exclusions apply, not all loan types are eligible for the .25% rate reduction, see credit union for details.
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.