Free Kasasa® Rewards Earning Checking Accounts

Alcoa Community FCU’s Kasasa Free Checking Accounts provide competitive interest rates, no monthly fees, and a host of member-centric benefits, allowing you to maximize your savings while enjoying convenient access to your funds. Whether you're looking to build your financial foundation or seeking a community-focused banking experience, our Credit Union Checking Accounts deliver the exceptional service and peace of mind you deserve.

ACFCU’s Kasasa checking accounts are designed to meet the many needs of our members. All accounts come with a Mastercard® Debit Card, earn monthly dividends or cash back, and are accessible through our Online Banking site and our mobile app. Learn more below and open your Kasasa Free Checking Account today! Click the button below to open your account securely online.

Free Kasasa Cash® Checking

Get paid really high dividends on your balance — without any minimum balance requirements to earn it — with our free Kasasa Cash® (share draft) account! You’ll also earn refunds on ATM withdrawal fees, nationwide.* Even more, Kasasa checking account holders are eligible to have their monthly earned rewards automatically swept into the exclusive and free Kasasa Saver® account, where it can earn even more!

Don’t worry if you don’t meet qualifications - your account is still free, and you can still earn the base rate. Plus, you can get right back to earning your full rewards the very next cycle that you qualify.

*See disclaimer for full details.

Free Kasasa Cash Back® Checking

Earn serious cash back refunds on your ACFCU debit card purchases with our free Kasasa Cash Back® checking (share draft) account every month! There’s no minimum balance required to earn your rewards, and no monthly maintenance fee. You’ll also earn refunds on ATM withdrawal fees, nationwide.* Plus, Kasasa checking accountholders are eligible to have their monthly earned rewards automatically swept into the exclusive (and free) Kasasa Saver® account where it can earn even more!

Kasasa Cash Back® Enhanced Rewards

• Free Checking that pays cash back on your debit card purchases.

• Earn 6.00% Cash Back on debit card purchases*

  o   No category restrictions on purchases

  o   Cash back earned on up to $250 in purchases monthly

  o   Earn up to $180 cash back per year, $15 per month

• Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*

• Link to free Kasasa Saver®

  o   Only earned purchase refund rewards can be swept to a Kasasa Saver with this account to build savings automatically

• No minimum balance requirements

• No monthly maintenance fee

• Free Digital Banking Services, including:

  o   Online Banking with Bill Pay

  o   Mobile Banking app with Remote Deposit

  o   Free eStatements

• Free Mastercard® Debit Card

• $25 minimum deposit to open

Conditions of account: Must agree to be enrolled in and agree to receive eStatements.

QUALIFICATIONS - Enhanced Rewards

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back® account during each monthly qualification cycle.

• At least one direct deposit, ACH credit or ACH payment transaction

• At least 30 debit card purchases

• $5.00 transaction minimum on at least 30 purchases

There’s no reason to worry if you don’t meet these qualifications. Your account is still free. Even more, you can get right back to earning your full rewards the very next cycle that you qualify.

*See disclaimer for full details.

*APY = Annual Percentage Rate. When your Kasasa Cash – Multi Level account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000 in your Kasasa Cash account earn a dividend rate of 5.8400% resulting in an APY of 6.00%; and daily balances over $15,000 earn a dividend rate of 0.2497% on the portion of the daily balance over $15,000, resulting in a range from 6.00% to 1.00% APY depending on the account's daily balance. When your Kasasa Cash – Multi Level account qualifications are not met during a Monthly Qualification Cycle, ATM withdrawal fees are not refunded and the entire daily balance in the Kasasa Cash - Multi Level account earns a dividend rate of 0.0499% resulting in an annual percentage yield of 0.05% APY.

When Kasasa Cash Back – multi level account qualifications are met during a monthly qualification cycle, you will receive 6.00% cash back on up to a total of $250 debit card purchases (POS transaction of $5.00 or more to qualify) that post and settle to the account during that cycle period. A maximum of $15 cash back payments may be earned per monthly qualification cycle. When Kasasa Cash Back-Multi Level account qualifications are not met, no cash back payments are made, and ATM withdrawal fees are not refunded.

You will also receive reimbursements up to the aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back-Multi Level 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.

*See disclaimer for full details.

Mastercard® Debit Cards

An Alcoa Community Federal Credit Union Mastercard® Debit Card allows you to pay for purchases at merchants displaying the Mastercard® logo. You can use your MasterCard® anywhere that a MasterCard® is accepted: restaurants, retail stores, grocery stores, airlines, hotels, etc. This card can be used in over 14.5 million locations worldwide. This pay-as-you-go option also helps you avoid fees and reduces the need to carry cash or a checkbook.

Plus, your Mastercard® Debit Card also can be used as an ATM Card, providing ready access to your cash anywhere in the nation, 24 hours a day, seven days a week, wherever you see the Cirrus or Pulse symbols.

To report lost or stolen debit cards after hours:

To report a lost or stolen debit card, call 1-800-610-2696.

Even More Convenience!

Alcoa Community Federal Credit Union ATM Locations:

• Benton: Alcoa Community Federal Credit Union, 1125 Military Road

• Sheridan: Alcoa Community Federal Credit Union, 519 South Rock Street

Online Banking

Convenience at the click of a mouse.

Sign up for our Free Online Banking and manage your accounts at our Virtual Branch without ever leaving the comfort of your home. ACFCU provides a safe and secure online environment for all of your financial needs, and it’s available 24 hours a day, 7 days a week.

• Pay bills

• Transfer funds

• View account history

• Check account balances

• See if checks have cleared

• View check copies

• Stop payment on a check

• View online statements

Online Banking Instructions

• Log-On ID: Member Number

• Security Code: Last four of SSN

E-Statement Instructions

• After signing into Online Banking

• Click on Self Service tab at top

• Choose E-Statements on right side

• Accept “Terms and Conditions”

Free Online Bill Pay

Paying your bills online is faster and easier than you could ever imagine — and it’s free! Think of all the time and money you’ll save on buying stamps and stuffing envelopes. With ACFCU online bill pay, you can:

• Schedule regular payments

• View payment history

• View, edit or delete scheduled payments