Kasasa Cash Back Checking Account | Mutual 1st Federal Credit Union
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Kasasa Cash Back

Enjoy cash back on debit card purchases and refunds on ATM withdrawal fees.*

Make shopping a lot more fun (and rewarding!) with free Kasasa Cash Back® checking. You’ll get 3.00% cash back on your everyday debit card purchases, up to $108 back per year ($9 per month).* 

You’ll also get cash back in the form of refunds on ATM withdrawal fees, nationwide. That way you can get to your money whenever and wherever you need it. Add a free Kasasa Saver® account to make saving effortless. Open your accounts online today. 


  • Free checking that pays you back
  • 3.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $300 in purchases monthly
    • Earn up to $108 cash back per year, $9 per month
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Free online banking with bill pay
  • Free mobile banking
  • Free e-statements
  • Free Visa® debit card
  • Free telephone banking
  • $5 minimum deposit to open

Earning your rewards is easy!

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back® account during each Monthly Qualification Cycle:
  • At least 1 direct deposit or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements

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

*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 $9.00 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. 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. Account approval, conditions, qualifications, limits, timeframes, enrollments  and other requirements apply. $5.00 minimum deposit is required to open this 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. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

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