Compare our checking accounts and find the best option for your financial needs
Compare Our Accounts
|Free Kasasa Cash Checking||Free Kasasa Cash Back Checking||Free Checking||Fresh Start Checking|
|Account Overview||A high dividend Kasasa checking account that refunds your nationwide ATM fees* and never charges you a monthly service fee.Apply||A cash back Kasasa checking account that refunds your nationwide ATM fees* and never charges you a monthly service fee. Apply||A basic checking account with no monthly maintenance fees and no minimum balance requirement. Simply free checking. Apply||Tough times may have prevented you from keeping your checking account in good standing, but SafeAmerica may be able to give you a fresh start. Apply|
|Minimum Opening Deposit||$25||$25||$25||$50|
|Monthly Service Fee||$0||$0||$0||$10. Receive $2 discount with at least $100 direct deposited per pay period|
|APY on Balances||2% APY* on balances up to $15,000. 0.25% APY* on balances over $15,000. 0.05% APY* if qualifications aren't met.||0%||0%||0%|
|Cash Back on Purchases||No||3% Cash Back (up to $6/month)||No||No|
|Access to 5,000 Credit Union Locations||Yes||Yes||Yes||Yes|
|Access to 30,000 fee-free ATMs||Yes||Yes||Yes||Yes|
|ATM Fee Refunds||Yes||Yes||No||No|
|Online Banking, Mobile Banking, and Bill Pay||Yes||Yes||Yes||Yes|
|Free VISA® debit card||Yes||Yes||Yes||Yes|
|Link to Kasasa Saver for auto-saving||Yes||Yes||No||No|
|Qualifications (per Monthly Qualification Cycle)||
||By keeping your Fresh Start checking account current and incurring no NSF fees during a rolling 12 month period, you have the opportunity to convert your SafeAmerica checking account to one of our other checking accounts, so you can enjoy the additional benefits we offer.|
† Overdraft Protection
Overdraft Protection gives you peace of mind! Overdraft Protection is a helpful service that is offered to members with checking accounts. Overdrafts can be drawn on either your Share Savings Account or your VISA Credit Account, if approved. You can sign up for Overdraft Protection by calling the credit union at (800) 972-0999.
‡ Courtesy Pay
Courtesy Pay adds protection to your checking account. Learn More »
*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 in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, credit card purchases, 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. "Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $15,000 receive APY* of 2.00%; and balances over $15,000 earn .25% dividend rate on the portion of balance over $15,000, resulting in a range from .48% to 2.00% APY* depending on the account's balance. Kasasa Cash Back: 3% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $6.00 cash back may be earned per Monthly Qualification Cycle. Kasasa Saver: (if linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $25,000 in your Kasasa Saver account receive an APY of .75% and balances over $25,000 earn .25% interest rate on the portion of balance over $25,000, resulting in a range from .35% to .75% APY depending on the account's balance. ATM Fee Reimbursements: you will receive reimbursements up to $25 (up to $4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn .05% APY*; all balances in a Kasasa Saver account earn .05% APY; cash back payments are not made, and ATM fees are not reimbursed. Rewards and ATM fee reimbursements will be credited to the appropriate Kasasa account on the last day of current statement cycle. Automatic transfer from Kasasa Cash to Kasasa Saver occurs within one day and may cause an overdraft to your Kasasa Cash account if the account's balance is less than the transferred amount when transfer occurs. When linked to the Kasasa Saver account, the dividends earned within the linked Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual dividend amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account. APY = Annual Percentage Yield. APYs are accurate as of 10/5/2017. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ins and other requirements apply. No minimum deposit is required to open a Kasasa account. Enrollment in monthly electronic eStatements and enrollment in online banking with logging in at least once a month to online banking or mobile banking are conditions of these accounts. There are no recurring monthly service charges or fees to open or close this account. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.
Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A. only include when we are not using the material through BancVue – they have this in their information already.