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Checking Accounts

Home/Checking Accounts
Checking AccountsAmerican Spirit FCU Staff2020-12-09T19:54:58+00:00

Free Kasasa Cash® Checking

Free Kasasa Cash® Checking: Enjoy no monthly service fees plus high dividend earnings.

Free Kasasa Cash® checking is free checking that pays. Earn up to 2.00% APY* every month for doing simple activities that you probably already do.

You’ll also earn refunds on your ATM withdrawal fees, nationwide* — so every ATM is your ATM, whether you’re on base or elsewhere. Open your account today!

Benefits:

  • Free checking that pays high dividends
  • 1.00% APY* on balances up to $10,000
  • 1.00% to 0.05% APY on balances over $10,000 depending on balance in account*
  • 0.01% APY* if qualifications aren’t met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • No minimum balance to earn rewards
  • No monthly service fee
  • $25 minimum deposit to open

Earning your rewards is easy.

To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled and log into online banking
  • Have a valid email address on file

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

 Open
An Account

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.

Free Kasasa Cash Back® Checking

Free Kasasa Cash® Checking: Enjoy no monthly service fees plus high dividend earnings.

Free Kasasa Cash® checking is free checking that pays. Earn up to 2.00% APY* every month for doing simple activities that you probably already do.

You’ll also earn refunds on your ATM withdrawal fees, nationwide* — so every ATM is your ATM, whether you’re on base or elsewhere. Open your account today!

Benefits

  • Free checking that pays high dividends
  • 1.00% APY* on balances up to $10,000
  • 1.00% to 0.05% APY on balances over $10,000 depending on balance in account*
  • 0.01% APY* if qualifications aren’t met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • No minimum balance to earn rewards
  • No monthly service fee
  • $25 minimum deposit to open

Earning your rewards is easy.

To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled and log into online banking
  • Have a valid email address on file

 Open
An Account

And if you don’t meet these qualifications, 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.

Free Kasasa Tunes® Checking

Free Kasasa Tunes® Checking: Enjoy no monthly service fees plus refunds on music, movies, and more.

Free Kasasa Tunes® checking gives you more of what you love — whether that’s music, movies, apps, games, or just about anything else you can buy online!

Get $10.00 in refunds for purchases from iTunes®, Amazon®, or Google Play™.* You’ll also get $20.00 in refunds just for opening your account.* To top it all off, enjoy refunds on ATM withdrawal fees, nationwide.* Open your account today!

Benefits

  • Free checking that pays you to shop online
  • Earn $10.00 in refunds for iTunes®, Amazon®, or Google Play™ purchases every month*
  • Get $20.00 in refunds for iTunes, Amazon, or Google Play purchases when you open your account*
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • No minimum balance to earn rewards
  • No monthly service fee
  • $25 minimum deposit to open

Earning your rewards is easy.

To earn your rewards, just do the following transactions and activities in your Kasasa Tunes account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled and log into online banking
  • Have a valid email address on file

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

Plus, you can get right back to earning your rewards the very next cycle that you qualify.

 Open
An Account

Kasasa Saver®

Kasasa Saver®: Enjoy watching your savings grow — effortlessly!

Free Kasasa Saver® is saving simplified. It links to your free Kasasa Cash® or Kasasa Cash Back® checking to build your savings automatically. When you earn cash rewards in your Kasasa® checking, those earnings transfer into Kasasa Saver. Kasasa Saver also pays 0.50% APY* on your balance!

Summary

  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash or Kasasa Cash Back checking
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
  • 0.40% APY* on balances up to $10,000
  • 0.40% to 0.05% APY on balances over $10,000 depending on balance in account*
  • 0.01% APY* if qualifications are not met on Kasasa Cash or Kasasa Cash Back
  • No minimum balance to earn rewards
  • No monthly service fee
  • $5 minimum balance to open

Earning your rewards is easy.

To earn your rewards, just do the following transactions and activities in your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled and log into online banking
  • Have a valid email address on file

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

Plus, you can get right back to earning your rewards the very next cycle that you qualify.

 Open
An Account

Standard Checking

Standard Checking Account: A checking account that provides you easy access to funds, with no monthly fees, no minimum balance, and no per check fees

  • Low cost checks with carbon copies.
  • Overdraft protection line of credit available.
  • Automatic transfer from share account.
  • Transfer funds from your other accounts with Audio Response
  • Access checking account through surcharge-free local area ATM’s.
  • Unlimited withdrawals and deposits. Withdraw up to $500  daily from your checking account with your debit card

 Open
An Account

Business Checking

Business Checking: Same as the individual checking account but designed for the sole proprietor business.

  • Requires member to submit a business license or operating permit linking member with the business name to authorize a DBA (doing business as) checking account.

 Open
An Account

Routing Number: 231176787

American Spirit Federal Credit Union is a federally insured financial institution first chartered in 1963. American Spirit Federal Credit Union is a not-for-profit, member-owned financial cooperative providing lending, savings, checking, investment and other financial services to Delaware communities located in the Newark, Dover, and Middletown areas.

We respect your privacy. We never share nonpublic personal information except as required by law, and we will continue to protect your privacy. - Privacy Policy & Disclosure

American Spirit Federal Credit Union is an equal housing lender, federally insured by the NCUA, and rated 5 stars by Bauer Financial.

© American Spirit Federal Credit Union. All rights reserved.

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