Free Kasasa Saver®

Growing a rainy day fund is easy when you turn your Kasasa Cash® or Kasasa Cash Back® checking rewards into dividend-earning savings every month!

Details:

Free account that builds your savings effortlessly
Links to free Kasasa Cash® or Kasasa Cash Back® checking [hyperlink to respective product pages]
Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
0.50% APY* on balances up to $10,000
0.50% to 0.27% APY on balances over $10,000 depending on balance in account*
0.05% APY* if qualifications are not met
No minimum balance to earn rewards
No monthly maintenance fees
Free NetTeller® online banking access
Free mobile banking
Free debit card
No minimum deposit to open

Qualifying for the higher Kasasa Saver rate is a snap.

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place 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 purchases

Be enrolled in and agree to receive e-Statements

Be enrolled in and log into online banking or mobile banking

If for some reason you don’t meet these qualifications, it’s okay — your account is still free. Even more, you can get right back to earning your cash rewards the very next cycle that you qualify.

Contact us with questions or stop by today to enroll.

* Qualification Information:
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, debit card purchases processed by merchants and received by our credit union as ATM transactions, PIN-based, signature based 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.
"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle.

Reward Information:
When your linked Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $10,000 in your Kasasa Saver account earn an APY of 0.50% and daily balances over $10,000 earn a dividend rate of 0.25% on the portion of the daily balance over $10,000, resulting in a range from 0.25% to 0.50% APY depending on the account's daily balance.
When your linked Kasasa Cash, Kasasa Cash Back or Kasasa Tunes account qualifications are not met, the entire daily balance in the Kasasa Saver account earns a dividend rate of 0.05% resulting in an annual percentage yield of 0.05% APY.
Dividends will be credited to your Kasasa Saver account on the first processing day of the following statement cycle.
If Kasasa Cash or Kasasa Cash Back are linked to Kasasa Saver, the following also apply:
Kasasa Cash: When linked to a Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver Account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account balance is less than the transferred amount when the transfer occurs.
Kasasa Cash Back: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last processing day of the following statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of April 1, 2019
APY calculations are based on an assumed balance of $10,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:
Membership restrictions may apply.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
No minimum deposit is required to open the account.
Enrollment in on-line banking and monthly log in, enrollment in E-Statements, and at least 12 debit card PIN-based/signature based purchases that have posted and settled to the Kasasa Cash account are conditions of this account.
Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications.
Limit of 1 account(s) per Social Security Number.
There are no recurring monthly maintenance charges or fees to open or close this account.
A Kasasa Cash, Kasasa Cash Back or Kasasa Tunes 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, reward calculations, processing limitations, cycle dates and enrollment instructions.
Daniels Sheridan Federal Credit Union is federally insured by NCUA up to $250,000 Per Account.

Trademarks:
Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Tunes and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

NCUA		Daniels-Sheridan Federal Credit Union Scobey, Montana 59263-1160 Copyright © 2019 - All Rights Reserved
This credit union is federally insured by the National Credit Union Association (NCUA) Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.	Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.