Checking Accounts

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.

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.
 

When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive a rate of 2.50% cash back on up to a total of $400.00 PIN-based or signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle.

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back 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 Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.

The cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle.

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.

Jolt Perks Everyday Rewards ("Program") is a rewards program that enables you to take advantage of special promotional offers ("Offers") and receive rebates, discounts, and cash back-equivalent rewards ("Rewards") every time you use your Jolt Credit Union debit card to purchase products and services - online or in-store - from any of our participating retailers ("Merchants"). Your debit card transactions will be matched with Offers made by participating Merchants and the Rewards will be available to you for redemption after authentication ("Program Portal"). Authentication will occur via a secure link sent to your email address. Any Rewards redeemed by you will be deposited into the account in which the transaction originated.

As a benefit to you, we will automatically enroll you in the Program. You do not have to register your debit card or use a mobile app to earn Rewards. Rewards will be earned and accrue during each Earning Cycle. Earning Cycles are defined as includes the last day of the prior month through the second to last day of the current month. ("Earning Cycle"). The Redemption Period is generally 60 days but the number of days may vary between Earning Cycles. Rewards will be made available for redemption during the two Earning Cycles that follow the Earning Cycle in which the (i) Rewards are earned; (ii) validated by the Merchant; and (iii) are made available for distribution ("Redemption Period"). Rewards will expire and/or be forfeit if (i) you do not redeem within the applicable Redemption Period; (ii) your account is closed for any reason; (iii) we cancel your access to the Program before the Rewards are redeemed; or (iv) you opt out of the Program.

Rewards will not appear or otherwise be reflected on your transaction receipt from a Merchant at the time of purchase. You will only receive a cash back equivalent on the purchase price, and it may exclude any additional costs including tips, taxes, shipping, etc.

Program Offers are subject to change at any time with or without notice to you. You will not receive Rewards if an Offer becomes unavailable before your transaction is completed. Some Offers may be available only for a limited time. Offers may rotate, and you may have access to some Offers one month and different Offers the next month. The number, type, value, and category of Offers are subject to change at any time.

Rewards have no cash, monetary, or other tangible property value. No interest is paid on Rewards. Subject to applicable laws, such Rewards are not your property, and you have no property rights or other legal interest in the Rewards. All Rewards remain the sole property of our third-party service providers ("Partners") until deposited into your account per these terms. Your Rewards balance or any part of it is not transferable, cannot be brokered, bartered, or sold, and cannot be divided as part of a settlement, legal proceeding, or death, and cannot be combined with Rewards of any other member or participant in the Program.

We may cancel or suspend your access to the Program at any time and for any reason, at our sole discretion, including in cases of abuse of the Program. We may cancel this Program without notice to you at any time.