Earn high dividends on your checking balance, plus get refunds on your ATM withdrawal fees, nationwide* with this free account.

How it Works
  • Free checking that pays high dividends
    • 6.00% APY* on balances up to $20,000
    • 0.25% APY* on balances over $20,000
    • 0.05% APY* if qualifications aren’t met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
    • ($4.99 limit per ATM withdrawal fee refund)
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • $25 minimum deposit to open
Qualifying to Earn Rewards is Easy

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash 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

A limit of one Kasasa checking account per SSN is a condition of this account.

And if you don’t meet these qualifications, don’t worry — your account is still free. You’ll earn our base rate for that month instead. As a plus, you can get right back to earning your full rewards the very next cycle that you qualify.

Kasasa Protect

Defend your credit and identity by adding Kasasa® Protect to your Kasasa® checking account. It starts working right away, and with a simple activation link you can easily expand its watch. Kasasa Protect is designed to keep an eye out 24/7 for suspicious behavior on your bank accounts, credit report and the dark web! You’ll also have certified specialists ready to help dispute and resolve any incidents should fraud occur.

Kasasa Cash Disclosures

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 Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $20,000 in your Kasasa Cash account earn a dividend rate of 6.00%; and daily balances over $20,000 earn a dividend rate of 0.25% on the portion of the daily balance over $20,000, resulting in a range from 0.25% to 6.00% APY depending on the account’s daily balance.

You will receive reimbursements up to $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during the Monthly Qualification Cycle in which you qualified.

When your Kasasa Cash qualifications are not met, the dividend rate earned on the account’s entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded.

Dividends will be credited to your Kasasa Cash account on the first processing day of the following statement cycle.

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing day of the following statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of February 1, 2024.

APY calculations are based on an assumed balance of $20,000 + $100,000 in your Kasasa Cash 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.

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.