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Kasasa Cash

Free checking, plus up to 3.00% APY*! We're not kidding.

  • Overview
    • Free checking account that pays high dividends
    • Get refunds on ATM fees nationwide (up to $10 monthly)*
    • No minimum balance required to earn rewards
    • No monthly service charge
    • 24/7 eService access

    Kasasa Cash

    How do you feel about free checking? Kasasa Cash offers free checking and GREAT dividends. We’ll even refund your ATM fees nationwide.* Collecting your rewards is easy and consists of doing things you’re probably doing already.


    Earn Your Rewards

    MasterCard Debit Card

    A free MasterCard debit card is the easy way to pay — simply swipe or insert your card at the register! It’s faster and safer than carrying cash or checks with you.

    Access to shared branching

    Now you don’t have to fret over being caught out of town without access to your credit union. Astera is part of a network of credit unions across the U.S. you can visit whenever you travel.

    Access to thousands of ATMs

    Not sure which checking account is right for you?

    Use this decision chart to help pick the best one! Or ask us, we’d love to help!

  • Rates


    Kasasa Cash*

    Up to $7,5002.96%3.00%
    $7,500 and greater0.01%0.01%
    Qualifiers Not Met0.01%0.01%

    *To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
    Have at least 15 debit card purchases clear
    Be enrolled in eStatement notices
    Have at least 1 automatic direct deposit (ACH) or online bill payment clear
    Be enrolled and log into online or mobile banking at least once

    APY=Annual Percentage Yield. Clearing account means item must post and settle. APYs and rates accurate as of 12/01/2018. If qualifications are met each monthly qualification cycle: (1) ATM fees incurred during qualification cycle will be reimbursed up to $10 and credited to account on the last day of monthly statement cycle; (2) balances up to $7,500 receive APY of 3.00% with a rate of 2.96%; and (3) balances over $7,500 earn 0.01% APY with a rate of .01% on portion of balance over $7,500, resulting in 3.00% - 0.22% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY with a rate of 0.01%. Qualifying transactions must clear account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to clear an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means the day after the end of the previous qualification cycle through the second to last business day of the current statement cycle. Interest and incentives will be paid on the last day of the month and are subject to IRS reporting. Transfers between accounts do not count as qualifying transactions. Accounts closed before the end of the qualification cycle forfeit that cycle's rewards. Limit one account per SSN.

  • FAQs

    Frequently Asked Questions

    The Kasasa qualifications calendar are the dates in which you must complete your Kasasa requirements to qualify for rewards for the month. Click here to view this years Kasasa calendar.

    Overdraft Protection can offer you peace-of-mind even if you do not end up utilizing it! This service protects you in the case of non-sufficient funds. Transfers from a Line of Credit or from funds within your account can be utilized to avoid fees in the case of an overdraft. Your Overdraft Protection can also be covered by Courtesy Pay. This service comes with a $30.00 service charge every time it is used.

    Having to take time out of your day to pay bills can be a real hassle. Avoid making late payments and pay bills from your own computer.

    With our updated One-Click Bill Pay service, paying bills is faster and easier than ever! Need to pay a friend or family member? All you need is their email address and a shared password to quickly transfer funds to another person.

    With features you can set up, like alerts and reminders, you'll find it's easy to keep up with your payments. Login to your online banking account to set up Bill Pay today!

    With Bill Pay you can:

    • PAY in just one click. Find the person or company, enter the payment amount and date, and click “Pay.”
    • VIEW all payees, upcoming bills and payment history.
    • ADD a new payee faster than ever. Click the “Add a payee” button to add a person or company.
    • SET UP recurring payments and save time each month. Simply select “Make it recurring” next to your payee.
    • SEE payment amounts and due dates of upcoming bills. Click on the “eBill” icon next to your payee.

    To learn more about Bill Pay, click here to watch a demo.

    At Astera, we offer several options in checking accounts. Our Kasasa Checking accounts do not require a minimum balance. Our Choice Checking account does come with a $5.00 service charge, for accounts that do not carry a $500.00 daily minimum balance, but you can choose to roll down that service charge by doing things you may already be doing such as:

    1. Enroll for E-Statements - $3.00 reduction
    2. Have at least 1 automatic direct deposit (ACH) or online bill payment clear per month - $1.00 reduction.
    3. Utilize your Astera Credit Union MasterCard debit card – for every transaction per month you will receive a $0.10 cent reduction.

    A $30 fee will be applied to your account, in order to stop payment on a check/draft.

    You have up to 30 days to bring your account current if it should go negative. The next thing you should do is take action to prevent this from happening again. How? Set up another account as a failsafe to transfer funds if your checking account happens to go negative for any reason. Or, you can sign up for Overdraft protection, which the credit union will cover any overages you accidently may incur.

    To contact us please submit a question using the button below. A Member Service Representative will get back to you as soon as possible. Or, you can contact us at 517-323-3644.

*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, and debit card purchases processed by merchants and received by our credit union as ATM transactions. 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 the day after the end of the previous qualification cycle through the second to last business day of the current statement cycle. Reward Information: When your Kasasa Cash account qualifications are met during a monthly qualification cycle, (1) balances up to $7,500 receive APY of 3.00%; and balances over $7,500 earn 0.01% interest rate on the portion of balance over $7,500, resulting in a range from 3.00% to 0.22% APY depending on the account’s balance, and (2) you will receive reimbursements up to an aggregate total of $10 max ($4.99 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the monthly qualification cycle in which you qualified. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Kasasa Cash qualifications are not met, all balances in the account earn 0.01% APY and ATM withdrawal fees are not refunded. Dividends and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 12/1/2018. 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-ons and other requirements apply. Monthly direct deposit/ACH, enrollment in online banking, and receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.