Kasasa Cash Back®

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Free checking that actually pays you.

Our Kasasa Cash Back Checking Account rewards you with cash back on monthly qualifying debit card purchases and ATM fee refunds nationwide.1

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Enjoy these convenient features & benefits:

No Monthly
Service Fee4

No Minimum

No Direct Deposit

Unlimited Deposits and

Refunds Nationwide1


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  • 4% Cash Back on qualifying debit card purchases1
  • Up to $30 ATM fee refunds nationwide

Monthly Reward Qualifications

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Qualifying for Kasasa Cash Back rewards is easy! Simply do all of the following during each Monthly Qualification Cycle:5

  • Be enrolled in eStatements
  • Have at least 12 debit card purchases post and settle to your account (excluding ATM transactions)
  • Log into Online or Mobile Banking at least once

If for any reason you don’t qualify for rewards in any given qualification cycle, you still enjoy unlimited checking. Qualify on the next cycle and you're back to earning
Kasasa Cash Back rewards!


To establish a Kasasa Cash Back Checking Account, you must be a member of the credit union, 18 years or older and meet the minimum qualifications.5

Accounts that do not meet the Minimum Account Qualifications6 will be converted to a Choice Checking Account and will be subject to the fees applicable to the Choice Checking Account.

Protect Yourself and Your Money

Overdraft Coverage 

Protect yourself from overdrafts and avoid the inconvenience of declined transactions with the Overdraft Coverage option(s) that suit your needs.

Learn More

Not available with OnTrak Checking.

vAlerts powered by Visa®

Closely monitor your Visa Debit and/or Credit Card to help identify potential fraud. Receive email or SMS text message notifications when certain transactions occur on your account.

Sign Up

Usage charges for text and data may apply.

Free 24/7 Services

Online & Mobile Banking

Free, secure access to your account anywhere, anytime.

Make transfers, check balances, and apply for loans at your convenience. Enrolling is fast and easy. Get started today and enjoy our user-friendly Online & Mobile Banking.

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Data and other wireless carrier charges may apply.


Reduce paper clutter and the hassle of shredding sensitive account information with eStatements.

Conveniently access statements and important notices when you need them within our secure Online & Mobile Banking.

Bill Pay

Easily manage and pay your bills while saving time and money with free Bill Pay.

You can set up payees, schedule payments and view recent, pending and past payments at any time.


Day or night, conveniently transfer money, check balances, make loan payments and much more by calling Valleyline, our 24-hour automated phone line.

Learn More

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Opening an account is easy.

Simply visit your local branch and a Member Service Specialist will assist you in opening your Kasasa Cash Back Checking Account. 

Already have a checking account? Call Member Service and make the switch to Kasasa.

Not yet a member?

You can establish membership if you meet our membership eligibility requirements and open a Primary Share Account. Learn about the many perks of membership.

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1Kasasa Cash Back Rewards: If the Reward Qualifications are met in a Monthly Qualification Cycle, you will receive 4% cash back on debit card purchases that post to and settle account during the Monthly Qualification Cycle, up to a total cash back of $8.00 per Monthly Qualification Cycle. Up to $30.00 in ATM fees incurred using your Valley First Debit Card associated with your Kasasa Cash Back Account during the Monthly Qualification Cycle will be reimbursed and credited if Reward Qualifications are met within the Monthly Qualification Cycle. If the Reward Qualifications are not met, you will not receive cash back on debit card purchases and ATM fees will not be refunded.
4Other miscellaneous fees apply.
5Reward Qualifications: To be eligible for the Kasasa Cash Back Rewards, you must do all of the following during the Monthly Qualification Cycle: (a) be enrolled in eStatements; (b) have at least 12 posted and settled debit card purchases; and (c) log in to Online or Mobile Banking at least once. Qualifying transactions must post to and settle account during the Monthly Qualification Cycle. Transactions may take one or more business days from the date the transaction was made to post to and settle an account. ATM-processed transactions do not count toward qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle, subject to weekends and holidays. Kasasa Cash Back rewards will be credited to your Kasasa Saver Account on the last day of the monthly statement cycle. If you do not have a Kasasa Saver Account, rewards will be credited to your Kasasa Cash Back Account. ATM receipts may be required. Limit one account per SSN.
2Not available with OnTrak Checking.
3Usage charges for text and data may apply.

6Accounts that do not meet the following Minimum Account Qualifications over three (3) consecutive Monthly Qualification Cycles will automatically convert to a Choice checking account: 1) Be enrolled in eStatements and 2) Have 12 debit card purchases post and clear.