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You’ve worked hard for your money. Watch it grow with really high dividends — earned just by banking in the place you call home.

Key Features

  • Really High Dividends
  • No Minimum Balance to Earn Rewards
  • No Monthly Maintenance Fee
  • Refunds on ATM Withdrawal Fees*

Are you currently a member of Intrepid Credit Union?

  • Free checking that pays high dividends
    • 2.00% APY* on balances up to $10,000
    • 2.00% to 0.41% 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 fees
  • Free digital banking
    • Must be enrolled in e-Statements to maintain account
  • Free Visa® debit card with 24/7 fraud monitoring
  • Add Kasasa Protect® for enhanced account security*
  • Surcharge-free ATMs available via the CO-OP® network
  • Earn my!points Rewards to redeem for CU perks
  • Overdraft protection available
  • $100 minimum deposit to open

Add the Executive Package to your Kasasa® account to enjoy document shredding, free notary services, free checks, and more!

Unlock your rewards with banking basics

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 log into online banking

Simple, right? Even if you don’t meet these qualifications one month, your account is still free. You’ll also still earn our base dividend rate — and can get back to earning your full rewards the very next month.

Are you currently a member of Intrepid Credit Union?

*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 are required to earn the account rewards:

  • Minimum of 12 PIN-based or signature-based debit card purchases.

*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.

  • Must be enrolled in online banking and access your account online or via your mobile device once per month.

The following activities do not count toward earning account rewards:

  • ATM-processed transactions or ATM transfers between accounts.
  • Debit card purchases processed by merchants and received by our credit union as ATM transactions.
  • PIN-based, signature-based transactions, non-retail payment transactions, and purchases made with debit cards not issued by our credit union.

'Monthly Qualification Cycle' means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. See https://www.intrepidcu.org
for details.

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle:

  • Balances up to $10,000 receive 2.000% APY; balances over $10,000 earn .250% APY on the portion of balance over $10,000, resulting in a range from 0.41% to 1.982% APR depending on the account's balance.
  • You will receive reimbursements up to an aggregate total of $25 (max. $5.00 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher.
  • We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM 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 Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM withdrawal fees are not refunded.
  • Dividends and 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. APY is accurate as of 09/18/2017. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100 minimum deposit and enrollment in eStatements is required to open the account. Limit 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our credit union financial service representatives 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.