Ready...Set...EARN!

Having a plain old free checking account is basic, but Kasasa Checking at Mutual 1st is FANTASTIC! Each one of our checking accounts offers rewards that you earn by simply using it! Whether you choose to earn up to 4.50% APY* on your balance,  up to $12 cash back, or refunds for your music app each month, you're sure to be satisfied. 

Level up your checking account to one of our THREE Kasasa Checking Account options. 

Qualifications

Enrollments must be in place and activities must post and settle to your account during each monthly qualification cycle. The monthly qualification cycle means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. 

And if you don't meet these qualifications, don't worry - your account is still free. Plus, you can get right back to earning your rewards the very next cycle that you qualify.

Kasasa Account Comparison

Kasasa Cash Multi-Tier: *APY = Annual Percentage Yield. APYs accurate as of the last dividend declaration date, 1/1/2025. When your Kasasa Cash - Green Tier account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $15,000.00 receive APY of 2.25%; and balances over $15,000.00 earn 0.15% APY on the portion of balance over $15,000.00, resulting in a range from 0.15% to 2.25% APY depending on the account’s balance and (2) you will receive reimbursements up to an aggregate total of $25.00 (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. When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% 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.

When your Kasasa Cash – Blue Tier account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $25,000.00 receive APY of 4.50%; and balances over $25,000.00 earn 0.15% APY on the portion of balance over $25,000.00, resulting in a range from 0.15% to 4.50% APY depending on the account’s balance and (2) you will receive reimbursements up to an aggregate total of $25.00 (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. When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% 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.

Kasasa Cash Back: *When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 3.00% cash back on up to a total of $300.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $12.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to an aggregate total of $25.00 (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. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of current statement cycle.

Kasasa Tunes: *When Kasasa Tunes qualifications are met during a Monthly Qualification Cycle: you will earn up to an aggregate total of $5.00 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your Kasasa Tunes debit card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified ends. In addition, you will receive reimbursements up to an aggregate total of $25.00 (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. When Kasasa Tunes qualifications are not met, iTunes, Amazon.com, Google Play purchases and ATM fees are not refunded. iTunes, Amazon.com, Google Play refunds and ATM fee reimbursements will be credited to your account on the last day of the current statement cycle in which these purchases post and settle to your account and the ATM fees were incurred. Rewards are variable and may change after account is opened. Sign Up Bonus: When you open and fund your Kasasa Tunes account, you will be refunded up to an aggregate total of $15 (which includes any applicable taxes) for iTunes, Amazon.com, Google Play purchases, made with your Kasasa Tunes debit card that post and settle to your account during the first 45 calendar days after your account is opened. This refund will be credited to your account on the last day of the current statement cycle in which your aggregate iTunes, Amazon.com, Google Play purchase threshold of $15 posts and settles to your account. Any portion of the Sign Up Bonus that is not used within the stated time period will be forfeited. $5.00 is required to open the account. No minimum balance is required to obtain this bonus.

All Kasasa Checking Accounts: *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 or transfers between accounts. 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) day prior to the first day of the current statement cycle through one (1) day prior to the close 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 and other requirements apply. $5.00 minimum deposit is required to open any Kasasa checking account. Monthly direct deposit/ACH credit and enrollment in electronic statements are conditions of this account. Limit 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. Courtesy Pay is available after 90 days, if account is in good standing and if Opt-in form has been signed. Mobile banking is free; data and other wireless carrier charges may apply. Contact a Mutual 1st Federal representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com Inc.. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com Inc. and Google, Inc.is/ are not participants in or sponsors of this program. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.