Checking Accounts
Free Checking
Our Free Checking is really, actually honestly free! You shouldn’t have to pay to spend your own hard-earned money, without the stress of complicated requirements!
Kasasa Cash® Checking
Kasasa Cash® Checking – High-interest Checking
We want to reward you just for being a member. That’s why we offer Kasasa Cash® — free checking that pays you interest, just for doing super simple activities you probably already do. Sounds too good to be true? It gets better, you will receive refunds on ATM withdrawal fees, nationwide.
If you really want to rake in the savings, add a free Kasasa Saver® account to make saving effortless.
Qualifications
- Must have at least 12 Debit Card (requires signature) purchases post and settle during the monthly qualifying cycle
- Must be enrolled in and agree to receive eStatements
- Must have one of the following:
- ACH automatic payment
- Bill Pay
- Direct Deposit post and settle to the account monthly.
Kasasa Cash® Checking
*.05 APY if qualifications are not met. APY = Annual Percentage Yield. Fees could reduce earnings. Rates are subject to change without notice.
Kasasa Cash Back® Checking
Kasasa Cash Back® Checking
Cash back on debit card signature/credit purchases
Would you say no to some extra pocket money – we bet not! By using your debit card for everyday purchases, you can earn 3.5% cash back on your VISA® debit card signature/credit purchases, up to $200 per month ($7.00 per month), that’s a nice chunk of change every month. As an added bonus, you’ll receive up to $25 in monthly ATM withdrawal fees, nationwide.
Qualifications:
- Must have at least 12 Debit Card (requires signature) purchases post and settle during the monthly qualifying cycle
- Must be enrolled in and agree to receive eStatements
- Must have one of the following:
- ACH automatic payment
- Bill Pay
- Direct Deposit post and settle to the account monthly.
Kasasa Saver® account with Kasasa Cash® Checking OR Kasasa Cash Back® Checking
Build savings automatically while earning a high rate of return.
Take all the pain out of saving with this free Kasasa Saver® account that does the work for you! Free Kasasa Saver® links to your free Kasasa Cash® OR Kasasa Cash Back® checking to make saving effortless. When you earn cash rewards in your Kasasa® checking, those earnings transfer into Kasasa Saver. Kasasa Saver pays you interest.
Qualifications: Must have one of the Kasasa® Checking Accounts – Kasasa Cash® or Kasasa Cash Back® Checking
Kasasa Saver®
*.05 APY if qualifications are not met. APY = Annual Percentage Yield. Fees could reduce earnings. Rates are subject to change without notice.
Feature & Benefits
NCFCU’s traditional checking has no minimum balance to get started, your account will earn dividends if you maintain an average balance over $1,000.
Overdraft Protection
In the event a check arrives for payment and your account does not have sufficient funds, overdraft protection will transfer available funds from your savings account. This service is available three times per month at no charge.
Digital Services
Secure technology to help our members stay connected to their finances! Download our App today from the Apple App Store or Google Play Store.
Surcharge-Free ATMs
Tap into your accounts at any surcharge-free ATM locations provided by CU Dollar using your VISA® Debit Card! Find a Surcharge-Free ATM near you at CU Dollar