Kasasa Cash Back
Free checking that pays you back for using your debit card. Meet the monthly qualifications and earn cash back on everyday purchases.
How Kasasa Cash Back Works
Kasasa Cash Back pays 3% cash back on debit card purchases in any month you meet the qualifications. Cash back applies to up to $300 of qualifying purchases per cycle. Miss a month and the account stays free.
What You Should Know
3% Cash Back
3% cash back on PIN-based and signature-based debit card purchases.
Cash Back on $300 a Cycle
Cash back applies to up to $300 in qualifying purchases per cycle.
ATM Fees Refunded
Up to $25 per month in refunds on ATM withdrawal fees, nationwide.
No Minimum Balance
No minimum balance requirement and no monthly fee.
Cash Back, Not Dividends
This account pays cash back on spending rather than a yield on your balance.
Still Free If You Miss
No fee whether you qualify or not.
What You Will Need
- At least 1 direct deposit, ACH credit or debit, or bill pay transaction
- At least 12 PIN-based or signature-based debit card purchases
- Enrolled in and agreed to receive e-statements rather than paper statements
- All of the above must post and settle during each Monthly Qualification Cycle
Current Rates
Kasasa Cash
As high as
3.50%APY¹
Nonprofit Money Market
As high as
3.50%APY¹
Kasasa Saver
As high as
3.00%APY¹
Check 24
As high as
3.00%APY¹
APY = Annual Percentage Yield. Rates effective 16 September 2026 and subject to change without notice. Youth Super Saver rate applies to the first $10,000 on deposit. Check 24 rate applies to the first $2,500 on deposit.
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 | 3.00% | 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 |
Common Questions
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle: at least 1 direct deposit, ACH credit or debit, or bill pay transaction; at least 12 PIN-based or signature-based debit card purchases; and be enrolled in and have agreed to receive e-statements rather than paper statements.
Up to $9 a month. Cash back is 3% on up to $300 of qualifying debit card purchases in each cycle.
No. This account rewards spending rather than balances. If you would rather earn on a balance, Kasasa Cash does that.
Not sure which fits? Ask a Waypoint Credit Union representative
A Waypoint Credit Union 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.