Checking

So much more than just a checkbook!

Our Featured Free Checking Accounts

With our Kasasa Checking Accounts and our Classic Checking Account, we have something for everyone. All our checking accounts feature:

  • No minimum monthly balance or service fee
  • Free online banking and bill pay
  • Free mobile banking and mobile deposit
  • Free Visa Debit Card
  • 37,000 Surcharge-Free ATMs & 5,600+ Shared Branches
  • Free first box of checks

Free Classic Checking

For those who like to keep things simple, our Classic Checking account has all the features you’ll ever need AND you’ll earn dividends as well.

Apply in Minutes

Free Kasasa Cash® Checking

Kasasa Cash Checking pays a high rate on your account balance every month. Earn high dividends on your balance, plus refunds on ATM withdrawal fees, nationwide!

Summary

  • 3.00% APY* on balances up to and including $10,000
  • 0.25% APY* on balances over $10,000
  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)
  • No minimum balance to earn rewards

Qualifying Is Easy

Qualifying is easy. Better yet, there's never a penalty fee if you come up short. To earn your rewards, simply do the following activities and transactions in your Kasasa Cash Back account each monthly qualification cycle (statement cycle).

  • At least 12 signature-based debit card purchases (Pin based transactions do not count towards qualification. Always select “Credit” when paying at a merchant)
  • At least one ACH direct deposit or ACH payment transaction
  • Be enrolled in and agree to receive eStatements

And that’s it. Even if you don’t meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you’ll still earn our base dividend rate and can get right back to earning your full rewards the very next month!

Apply in Minutes Account Disclosures

*APY = Annual Percentage Yield

Free Kasasa Cash Back® Checking

Be rewarded with refunds on debit card purchases very month! You’ll also get refunds on ATM withdrawal fees, nationwide.

Summary

  • 3.00% cash back on debit card purchases
    • No category restrictions on purchases
    • Cash back earned on up to $250 in purchases monthly
    • Earn up to $90 cash back per year, $7.50 per month
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)
  • No minimum balance to earn rewards

Qualifying Is Easy

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle (statement cycle).

  • At least 12 signature-based debit card purchases (Pin based transactions do not count towards qualification. Always select “Credit” when paying at a merchant)
  • At least one ACH direct deposit or ACH payment transaction
  • Be enrolled in and agree to receive eStatements

That’s just how simple it is. Don’t worry if you don’t meet your qualifications during the cycle — your Kasasa Cash Back account is still free. You can get right back to earning your full rewards the very next month!

Apply in Minutes Account Disclosures

*APY = Annual Percentage Yield

Compare Our Accounts

AccountFree Kasasa Cash Checking*Free Kasasa Cash Back Checking*Free Classic Checking

Rewards

  • Earn 3.00% APY* on balances up to $10,000
  • Earn 0.25% APY on balances over $10,000
  • Earn 0.05% APY* if qualifications aren’t met
  • Refunds on ATM fees nationwide (up to $25 monthly)
  • Earn 3.00% cash back on debit card purchases
  • Earn cash back on your first $250 in purchases each month
  • Earn up to $90 cash back per year, $7.50 each month
  • Refunds on ATM fees nationwide (up to $25 monthly)
  • Earn 0.10% APY*

Monthly Service Fee

$0

$0

$0

ATM Refunds

$25

$25

None

First free box of checks

Yes

Yes

Yes

Free debit card

Yes

Yes

Yes

Minimum opening deposit

$0

$0

$0

Minimum balance

$0

$0

$0

*Qualifying for Free Kasasa Checking is easy.

  • At least one direct deposit or ACH payment transaction(s) per month
  • At least 12 signature-based debit card purchases per month
  • Be enrolled in and agree to receive eStatements

Don’t worry if you come up short – your account is always free, and you can try again next month.

*APY = Annual Percentage Yield

VISA Debit Card

Accepted by VISA merchants worldwide, the VISA Debit Card doubles as your ATM card allowing ten free ATM (PIN based) withdrawals per month with a $1.00 charge per withdrawal thereafter.

Remember to choose the “credit” option on purchases to minimize the number of PIN based transactions. “Credit” transactions are always free!

For Lost/Stolen Cards call 1-800-472-3272 24 hours per day.

To locate a surcharge free ATM near you, click on the logos below.

Alliance One Check Reorder  Moneypass Check Reorder Logo

To apply for an ATM/Debit Card, please fill out the secure form below.

ATM/Debit Card Application

Direct Deposit Instructions

Setting up Direct Deposit is easy!

For NM employees, log into Workday/Pay/Payment Elections.
Not an NM employee? You can still have your paycheck directly deposited to your account.

Routing/ABA Number: 275080334
Account Number: Your 6-digit account number (5 digits for older accounts)

Have Questions?

Feel free to reach out with any questions.

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