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Earn a higher rate on your checking balance — and more — with this free account.

EARNS HIGH DIVIDENDS. Earn up to 4.25% APY* on your balance when you meet easy qualifications.

ATM WITHDRAWAL FEE REFUNDS. Get refunds on ATM withdrawal fees, nationwide, up to $25 per month (max $4.99 per transaction).*

FREE CHECKING. No monthly maintenance fees, no minimum balance requirements, and no minimum deposit to open.



Just by doing a few easy banking activities, (we call them “qualifications”), you’ll earn your Kasasa Cash rewards every month!


  • Free checking that pays higher dividends
    • 4.25% APY* on balances up to $15,000
  • Refunds on ATM withdrawal fees, nationwide (up to $25 per month)*
  • Can link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free Online Banking and Mobile Banking
  • No minimum deposit to open


Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 1 direct deposit or automatic payment (ACH) payment
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements

If for some reason you don’t meet the qualifications, there’s no need to worry. Your account is still free, and you’ll still earn our base rate. Plus, the very next month you can get right back to earning your full rewards.

Sample Kasasa Qualification Cycle


To Open

To join Jolt Credit Union and open your Free Kasasa Cash Checking account, please review our easy Switch Kit.

Questions? Visit your local branch of Jolt Credit Union, contact our Call Center at 1-800-798-2328 or email us at

Reward Information


*Reward Information:

When Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000.00 in your Kasasa Cash account earn a dividend rate of 4.17% resulting in a APY of 4.25%; and daily balances over $15,000.00 earn a dividend rate of 0.40% on the portion of the daily balance over $15,000.00, resulting in a range from 4.25% to 0.90%APY depending on the account’s daily balance.

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal 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 your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded.

Dividends and nationwide 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 6/1/2024. 

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

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