Kasasa Cash
Free checking that rewards you for keeping money in it. Meet the monthly qualifications and your balance earns a high yield.
How Kasasa Cash Works
Kasasa Cash pays a high annual percentage yield on your balance in any month you meet the qualifications. Miss a month and the account stays free, you simply earn the base rate instead. Nothing is charged and nothing is lost.
Kasasa Cash Account Benefits
3.50% APY to $15,000
Balances up to $15,000 earn 3.50% APY when qualifications are met.
0.30% APY Above That
Balances over $15,000 earn 0.30% APY when qualifications are met.
0.05% If Not Qualified
The daily balance will earn 0.05% APY when qualifications are not met.
ATM Fees Refunded
Up to $25 per month in refunds on ATM withdrawal fees, nationwide.
Still Free If You Miss
The account carries no monthly fee whether you qualify or not.
Dividends Credited Monthly
Dividends are credited on the last day of the statement cycle.
What You Will Need
- Waypoint membership
- Enrollment in e-statements
- A direct deposit or ACH transaction each cycle
- 12 debit card purchases each cycle
Current Rates
Kasasa Cash
As high as
3.50%APY¹
Kasasa Saver
As high as
3.00%APY¹
Check 24
As high as
3.00%APY¹
Youth Super Saver
As high as
4.00%APY¹
APY = Annual Percentage Yield. Rates effective October 1, 2026 and subject to change without notice. Kasasa Cash rate applies to balances up to $15,000 when certain criteria are met. Kasasa Saver rate applies to balances up to $50,000 when certain criteria are met. Youth Super Saver rate applies to the first $10,000 on deposit. Check 24 rate applies to the first $2,500 on deposit. See product pages for full details.
Open an AccountView all savings and deposit account rates
| Account Type | APY | Minimum Required Balance |
|---|---|---|
| Share Savings | 0.05% | N/A |
| Share Club | 0.05% | N/A |
| Health Savings | 0.25% | N/A |
| IRA Share | 0.10% | $50 |
| Youth Super Saver | 4.00% | N/A |
| Kasasa Saver: Qualified, below cap | 3.00% | N/A |
| Kasasa Saver: Qualified, over cap | 1.50% | $50,000 |
| Kasasa Saver: Non-qualified | 0.05% | N/A |
| Kasasa Cash: Qualified, below cap | 3.50% | N/A |
| Kasasa Cash: Qualified, over cap | 0.30% | $10,000 |
| Kasasa Cash: Non-qualified | 0.05% | N/A |
| Nonprofit Money Market: Tier 1 | 0.30% | N/A |
| Nonprofit Money Market: Tier 2 | 3.00% | $10,000 |
| Nonprofit Money Market: Tier 3 | 3.50% | $100,000 |
| Money Market: Tier 1 | 0.10% | $2,000 |
| Money Market: Tier 2 | 0.15% | $25,000 |
| Money Market: Tier 3 | 0.20% | $50,000 |
| IOLTA Checking | 0.75% | N/A |
| Check 24 | 3.00% | N/A |
| Health Savings Account Money Market: Tier 1 | 0.25% | <$1999.99 |
| Health Savings Account Money Market: Tier 2 | 2.50% | $2,000 – $9,999.99 |
| Health Savings Account Money Market: Tier 3 | 3.00% | $10,000 – $24,999.99 |
| Health Savings Account Money Market: Tier 4 | 3.50% | $25,000+ |
Common Questions
Nothing is charged. The account stays free and your balance earns the base rate for that cycle. Qualifying again the next month restores the higher yield.
Each cycle you need at least one direct deposit, ACH credit or debit, or bill pay transaction; at least 12 PIN-based or signature-based debit card purchases; and enrollment in e-statements rather than paper statements.
No minimum balance is required to earn the reward, though a minimum of $0.01 is required to keep the account open.
Not sure which fits?
Ask a Waypoint Credit Union representative
A Waypoint representative will compare the options against what you are actually trying to do, including the ones we do not advertise heavily. Open online, or book a time at any Waypoint branch.
Important Disclosures
Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
Federally insured by NCUA.
APY = Annual Percentage Yield. Rates are accurate as of 16 September 2026, are variable, and may change after the account is opened. Fees may reduce earnings.
Kasasa Cash and Kasasa Saver rates depend on meeting the monthly qualifications. Cycles that do not qualify earn the stated non-qualified rate.
Youth Super Saver: the stated rate applies to the first $10,000 on deposit. Check 24: the stated rate applies to the first $2,500 on deposit.
Health Savings Account: special rules govern the use of HSA funds, withdrawals and deposit limits. See a Waypoint representative for an account agreement and additional disclosures, and see your tax advisor about the tax advantages and liabilities of an HSA.