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Choose free checking that pays. Earn high
dividends and refunds on ATM withdrawal
fees*— just for doing banking basics.

Key Features

High Dividends

No Monthly Maintenance Fees

Refunds on ATM Withdrawal Fees*

Digital Banking

Are you currently a member of Ball State Federal Credit Union?

  • Free checking that pays high dividends
  • 2.00% APY* on balances up to $10,000
  • 2.00% to 0.10% APY on balances over $10,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to free Kasasa Saver to build savings automatically 
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Unlimited check writing
  • Free digital banking
  • Free Visa® debit card
  • Nationwide surcharge-free ATM access
  • Shared branches in all 50 states
  • No minimum deposit to open

It’s easy to earn your rewards.

So easy, in fact, you’re probably already doing it. 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 12 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking


And if you don’t meet these qualifications, don’t worry — your account is still free.

Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

 

 

Are you currently a member of Ball State Federal Credit Union?

Qualification Information:
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 12 PIN-based or signature-based debit card purchases
  • Be enrolled in and have agreed to receive e-statements rather than paper statements
  • Be enrolled in and log into online banking

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.

"Monthly Qualification Cycle" means the current statement cycle.

Reward Information:
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $10,000 in your Kasasa Cash account earn a dividend rate of 1.98% resulting in an APY of 2.00%; and daily balances over $10,000 earn a dividend rate of 0.10% on the portion of the daily balance over $10,000, resulting in a range from 2.00% to 0.27% APY depending on the account's daily balance.

You will receive reimbursements up to an aggregate total of $25 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 a non-compounding annual percentage yield of 0.05% and ATM withdrawal fees are not refunded.

Dividends will be credited to your Kasasa Cash account on the first processing day of the following statement cycle.

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing day of the following statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of 12/05/2018.

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.

Additional Information:
Membership restrictions may apply. Members must keep a minimum savings balance of $5.00 to maintain membership.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

No minimum deposit is required to open the account.

Monthly eStatements is a condition of this account.

Limit of 1 account(s) per member.

There are no recurring monthly maintenance charges or fees to open or close this account.

Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Federally insured by NCUA.

Trademarks:

Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A

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