The core of you banking experience is your checking account. It needs to fit your lifestyle, giving you the latest conveniences with the best service. Whether you are looking to start a new checking account or switch banks, Liberty First has what you are looking for with a variety of accounts from Kasasa® Checking with Rewards to Free or 50 Plus Lifestyle Checking.
All of our Personal Checking accounts come with free online banking and bill pay*, free e-statements, free mobile and telephone banking, a free MasterCard® Check Card and unlimited check writing.
|Kasasa Cash®||Kasasa Tunes®||Free||50+ Lifestyle|
|Free Initial MasterCard® Debit Card|
|No Monthly Service Fee|
|Earns Google Play, iTunes and ApplePay Rewards|
|Free Cashier Checks, Money Orders and Travel Money Card|
|Minimum Initial Balance||$50, no required balance to maintain account||$50, no required balance to maintain account||$50, no required balance to maintain account||$50, no required balance to maintain account|
|Statements||Electronic||Electronic||Paper or Electronic||Paper or Electronic|
|ATMs||Reimbursed $15 a month in foreign ATM fees||Reimbursed $15 a month in foreign ATM fees||3 free foreign ATM transactions a month with Direct Deposit||3 free foreign ATM transactions a month with Direct Deposit|
Additional Options to add to your Checking account
|Overdraft Coverage Available|
|Executive Package Add On Option|
|Open Now||Open Now||Open Now||Open Now|
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.
- 2.00% 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:
- Have at least 12 signature based debit card purchases post and settle
- The Primary Account Holder must be enrolled and log into Online Access each month
- Be enrolled and receive eStatements
- Have at least one (1) net direct deposit or ACH identified transaction on the LFCU system post and settle
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 2022 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.
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 on balances up to $100,000!
*APY=Annual Percentage Yield. APYs accurate as of 3/01/2021. Rates may change after account is opened. Minimum to open is $50 for Kasasa. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $15 and credited to account on the last day of monthly statement cycle; (2) balances up to $40,000 receive APY of 2.00%; and (3) balances over $40,000 earn 0.15% interest rate on the portion of the balance over $40,000, resulting in 2.00% – 0.68% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the 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. The advertised Kasasa Cash APY is based on compounding dividends. 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. The Kasasa Saver APYs may be less than Kasasa Cash APYs. 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.