Free Kasasa Cash® Checking

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, 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) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Visit our website at www.CUHawaii.com or contact one of our member service representatives for specific Monthly Qualification Cycle dates.
"Business Day" means our business days are Monday through Friday. Saturday, Sunday and Federal Holidays are not included.
"Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Visit our website at www.CUHawaii.com or contact one of our member service representatives for specific Statement Cycle dates.

Reward Information:
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $15,000 in your Kasasa Cash account earn a dividend rate of 1.243% resulting in an APY of 1.25%; and average daily balances over $15,000 earn a dividend rate of 0.250% on the portion of the average daily balance over $15,000, resulting in a range from 1.25% to 0.380% APY depending on the account's average 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 average daily balance will be 0.010% resulting in an annual percentage yield of 0.010% and ATM withdrawal fees are not refunded.
Dividends will be credited to your Kasasa Cash account on the last day of the current statement cycle.
Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 01/01/2022.
APY calculations are based on an assumed balance of $15,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days.
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.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
No minimum deposit is required to open the account.
Monthly one (1) Direct Deposit or ACH payment or ACH credit, enrollment in e-statements and 10 point of sale purchases with your debit card that have posted and settled before the end of the statement cycle are conditions of this account.
Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications.
Limit of one (1) account per social security number.
There are no recurring monthly maintenance charges or fees to open or close this account.
This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our member service representatives for additional information, account 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.

¹The Overdraft Savings Transfer transfers funds, at no charge to you, from a linked Savings account to your checking account when there are insufficient or unavailable funds in your checking account. Your Savings account is linked to your checking account of choice after agreeing to Overdraft Savings Transfer coverage. See our CU Hawaii disclosures for more information.