Personal Banking

With Kasasa Cash^®, you’ll earn rates higher than the national average. Plus, get up to $15 a month in refunds on ATM fees – whether you’re in Lincoln or anywhere else in the country.

Account Benefits:

• Level One earns 2.50% APY* on balances up to $40,000
• Level Two earns 4.50% APY* on balances up to $40,000
• 0.05% APY* if qualifications aren’t met
• Refunds on ATM fees nationwide (up to $15 monthly)*
• Can link to high-interest Kasasa Saver® account
• No minimum balance to earn rewards
• No monthly service fee
• Free Online Access and Bill Pay
• Free eStatements
• Free Mastercard® Debit Card
• $50 minimum deposit to open

Earning Rewards is Easy.

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash® account each monthly qualification cycle:

• Level One must have at least 12 signature-based debit card purchases of at least $8 per transaction post and settle within each qualification cycle
• Level Two must have at least 16 signature-based debit card purchases of at least $8 per transaction post and settle within each qualification cycle
• For all levels, the Primary Account Holder must be enrolled and log into Online Access within the qualification cycle
• For all levels, the primary account holder must be enrolled in and receive eStatements with a valid, ongoing email address
• For all levels, you must have at least one (1) net direct deposit or ACH identified transaction on the LFCU system post and settle within each qualification cycle

If you don’t qualify for your rewards for the month, there’s no penalty fee. Your Kasasa® Cash checking account is always free, and you can get back to earning your rewards the very next month. You can view the 2026 Qualification Statement Cycles here.

Be in the know with how EMV transactions will count towards your signature based debit card qualification. Visit the “Using Your Card at a Merchant Terminal” section on our debit card page.

Purpose and Expected Use of the Kasasa Cash Account.

This account is intended to be the accountholder’s primary share draft account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled.

Commensurate with the spending activities identified above, we expect the account’s debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account’s rewards and thus will be deemed inappropriate transactions and will not count toward earning the account’s rewards.

Open a Free Kasasa Cash® Checking Only Now

Add a free Kasasa Saver® to your free Kasasa Cash® checking account. Your monthly Kasasa Cash® rewards will automatically transfer to your Kasasa Saver® account each month to earn even more. Kasasa Saver® earns dividends all Kasasa Saver balances!

*APY=Annual Percentage Yield. APYs are accurate as of 4/01/2025.APY calculations are based on an assumed balance of $140,000 in your Kasasa Cash – Multi Level account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after the account is opened; rates may change without notice to you. For Kasasa Cash – Multi Level, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $15 and credited to the account on the last day of monthly statement cycle; (2) Level 1 balances up to and including $40,000 receive APY of 2.50% and Level 2 balances up to and including $40,000 receive APY of 4.50%; and (3) balances for all tiers over $40,000 earn 0.15% interest rate on the portion of the balance over $40,000, resulting in 2.50% – 0.82% APY for level 1 and 4.50% – 1.39% APY for level 2, depending on the balance. If qualifications are not met on any level of Kasasa Cash, all balances earn 0.05% APY. To earn your account’s principle rewards, the following qualifications must be met and all transactions and activities must post and settle to your Kasasa Cash-Multi Level account during the Monthly Qualification Cycle: 1) Have at least 12 debit card purchases of at least $8 per transaction post and settle as signature based transactions for Kasasa Cash Level 1 and have at least 16 debit card purchases of at least $8 per transaction post and settle as signature based transactions for Kasasa Cash Level 2 2) The Primary Member must be enrolled and log into online banking 3) Be enrolled in e-Statements with ongoing valid email address 4) Have at least 1 net direct deposit or ACH identified transaction on the LFCU system post and settle. Transactions may take one or more banking days from the date transaction was made to post to and settle account The following activities do not count toward earning account rewards: ATM and PIN-processed transactions, transfers between accounts, debit card purchases less than $8, debit card purchases processed by merchants and received by our credit union as ATM or PIN-based transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. 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 reward. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on non-compounding dividends. If you have a Kasasa Saver account, dividends earned in Kasasa Cash are automatically transferred to Kasasa Saver each statement cycle and do not compound. Actual dividend amount paid may be less than advertised Kasasa Cash APY. ATM Receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Transfers between accounts do not count as qualifying transactions. PIN based transactions do not count towards qualifying debit card transactions. Rewards less than a penny cannot be distributed. Fees may reduce earnings. $5.00 minimum is required to open a Kasasa Saver account and a $50.00 minimum is required to open a Kasasa Cash account. There are no recurring monthly maintenance charges or fees to open or close this account. A linked Kasasa Saver account is required for automatic savings. Limit one account per SSN. Liberty First Credit Union reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different share draft account or closed altogether. We also reserve the right to convert the account to a different share draft account if the account does not have consistent active use over 1 consecutive Statement Cycles. We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Liberty First Credit Union check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash account, any optional add-on products / services associated with this account will also be terminated at the same time. Kasasa Saver and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A. Federally Insured by NCUA.

Earn rewards towards movies, music, apps, and more. With Kasasa Tunes^®, you’ll get reimbursed for your iTunes®, Google Play® and Amazon® purchases monthly. All it takes is a few banking basics you’re probably already doing.

Your Kasasa Tunes® checking account is always free, and we’ll even refund your ATM fees nationwide.*

Account Benefits:

• $5.00 in iTunes®, Google Play® or Amazon® purchases reimbursed monthly*
• Earn $10.00 in the first 30 days*
• Refunds on ATM fees nationwide (up to $15 monthly)*
• No minimum balance to earn rewards
• No monthly service fee
• Free Online Access and Bill Pay
• Free eStatements
• Free Mastercard® Debit Card
• $50 minimum deposit to open

Earning Rewards is Easy.

To earn your rewards, simply do the following activities and transactions in your Kasasa Tunes® account each monthly qualification cycle:

• Have at least 12 signature based debit card purchases post and settle within each qualification cycle
• The Primary Account Holder must be enrolled and log into Online Access within each qualification cycle
• The Primary Account Holder must be enrolled in and receive eStatements with a valid, ongoing email address
• Have at least one (1) net direct deposit or ACH identified transaction on the LFCU system post and settle within each qualification cycle

If you don’t qualify for your rewards for the month, there’s no penalty fee. Your Kasasa checking account is always free, and you can get back to earning your rewards the very next month. You can view the 2026 Qualification Statement Cycles here.

Be in the know with how EMV transactions will count towards your signature based debit card qualification. Visit the “Using Your Card at a Merchant Terminal” section on our debit card page.

Purpose and Expected Use of the Kasasa Tunes Account.

This account is intended to be the accountholder’s primary share draft account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled.

Commensurate with the spending activities identified above, we expect the account’s debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account’s rewards and thus will be deemed inappropriate transactions and will not count toward earning the account’s rewards.

Open a Free Kasasa Tunes® Checking Only Now

*Minimum to open is $50. You will be refunded up to $10 for iTunes®, Google Play® and/or Amazon.com® purchases that post to and settle account during the first 30 days after you open account. Refunds will be credited to account on the last day of statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $5 in refunds of iTunes and/or Amazon.com purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made with debit card associated with your Kasasa Tunes account. Qualifying transactions must post to and settle the account during monthly qualification cycle. Transactions may take one or more banking days from date transaction was made to post to and settle account. ATM-processed transactions do not count towards 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. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $15 if qualifications are met within monthly qualification cycle. iTunes is a registered trademark of Apple, Inc. and Amazon.com is a registered trademark of Amazon Inc. Apple Inc. and Amazon Inc. are not participants in or sponsors of this program. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Transfers between accounts do not count as qualifying transactions. PIN based transactions do not count towards qualifying debit card transactions. Limit one account per SSN. Liberty First Credit Union reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different share draft account or closed altogether. We also reserve the right to convert the account to a different share draft account if the account does not have consistent active use over 1 consecutive Statement Cycles. We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Liberty First Credit Union check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash account, any optional add-on products / services associated with this account will also be terminated at the same time.

A no cost checking account that includes unlimited check writing.

• Minimum Deposit. The minimum deposit to open this account is $50.00
• Minimum Balance. There is no minimum balance requirement for this account
• Fees and Charges. This account has no monthly maintenance or activity charge
• Select duplicate checks for easy record keeping
• Rate Information. This account earns no dividends

(If you use Overdraft Privilege to cover insufficient funds items, Liberty First Credit Union’s fee of $35.00 will apply to each item.)

Open a Free Checking Account Now

A free checking account available to members age 50+. This account pays dividends starting with a balance of $500.

• Minimum Deposit $50
• Statement Options: Both E-Statements and Paper Statements are free with this account.
• Three (3) Free Cashier Checks each month and No Fee Travel Money Card
• You must be at least 50 years of age.

Open a 50 Plus Checking Account Now