Get paid in ways that matter to you — Kasasa Cash® is free checking that earns high dividends and refunds on your ATM withdrawal fees nationwide!* Enjoy 2.00% APY* and up to $20 in ATM withdrawal fee refunds when you do some easy banking activities that you're probably already doing. Plus, keep your savings growing with free Kasasa Saver® — an account that connects to Kasasa Cash and builds your savings automatically.

  • Free checking that pays high dividends
    • 2.00% APY* on balances up to $25,000
    • 2.00% to 0.60% APY on balances over $25,000 depending on balance in account*
    • 0.01% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
  • Link to free Kasasa Saver to build savings automatically
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking
  • Free eStatements
  • Free mobile banking with mobile deposit
  • Free debit card
  • Unlimited check writing
  • $100 minimum deposit to open

Easy Qualifications

It's so easy to qualify, you're probably already doing it! To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

That's it! And if you don't meet the qualifications one month, don't worry — your Kasasa Cash account is still free. Plus, you can get right back to earning your rewards the very next month.

Are you currently a member of Hawaii Pacific Federal Credit Union?

*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) 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: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, Tier 1: A dividend rate of 2.00% APY will be paid on the portion of your daily balance that is less than or equal to $25,000.  Tier 2: A dividend rate of 0.25% APY will be paid on the portion of your daily balance that is greater than $25,000. The annual percentage yield will range from 2.00% to 0.60% depending on the balance in the account.  For regulatory purposes, our APY calculations are based on an assumed Tier 1 balance of $25,000 plus a Tier 2 balance of $100,000 stated as total account balance of $125,000. You will receive reimbursements up to $20 for the fees associated with nationwide ATM withdrawals imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5 or higher. 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. 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.  $100 minimum deposit is required to open the account. Monthly log-ons in online banking, receipt of electronic statements, and have 12 debit transactions post are conditions of this account. 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 Kasasa checking account per social security number. 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.