Kasasa Cash Back®

Free Checking That PAYS*

We’ll pay you to buy the things you normally buy — seriously! With free Kasasa Cash Back® checking, you’ll get 4% cash back (up to $10 per month) on your everyday debit card purchases.*

You’ll also get refunds on your ATM fees, nationwide.* That means you can make any ATM your ATM. Even the big banks!


  • Refunds on ATM fees, nationwide (unlimited)*
  • 4% cash back on debit card purchases (Earn up to $10 cash back per month)
  • No category restrictions on purchases
  • Can link to free Kasasa Saver® account
  • No minimum balance to earn rewards
  • No minimum deposit to open
  • No monthly service fee
  • Free online banking Access (home banking)
  • Free Bill Pay
  • Free debit card
  • Unlimited check writing

It’s easy to earn your rewards!

To earn your rewards, just do the following transactions and activities in your 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 e-Statements
✅   Be enrolled in and log into online banking

That’s all there is to it. Even if you don’t meet these qualifications during the cycle, your account is still free. Plus, you can get right back to earning your rewards the very next cycle that you qualify!


See disclosures for more information. Account subject to approval.

Fee schedule

Which First Castle checking is right for you?

*First Castle FCU membership is required to open a Kasasa Cash Back checking account. If you are not a First Castle FCU member, you must be eligible to open a primary savings accountwith First Castle to become one. No dividends are paid on this account; however, you may qualify for ATM fee reimbursements if you meet all of the minimum service requirements during the qualification periods. The minimum service requirements include: 1) making 12 debit card point-of-sale purchases that are cleared and posted to your account during the qualification period; 2) accessing online banking once during qualification period; and 3) receiving your monthly statement electronically. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions, and purchases made with debit or credit 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 rewards. If you meet all minimum service requirements during the qualification period, all ATM fees (up to $4.99 per single transaction) will be refunded by the second business day following the end of the last day of the statement cycle. ATM receipt must be presented for reimbursement of ATM fees of $5.00 or higher within 30 days after the statement cycle where the reimbursement was applicable in order to receive a refund. Purchases up to $250.00 will receive 4.00% cash back with a maximum of $10.00 per statement cycle. Cash back percentage rate accurate as of April 1, 2020. The qualification period is defined as the first day of the calendar month through the last day of the calendar month. If member has a Kasasa Cash Back Saver share account, cash back earned and ATM fees refunded from the Kasasa Cash Back checking account are automatically transferred to the Kasasa Saver share account during the first week of the next calendar month. Fees may reduce earnings. First Castle reserves the right to limit the number accounts allowed per account owner, joint or individually. Federally insured by NCUA. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd.

All First Castle branches will be closed on Friday, July 3, and Saturday, July 4, in observance of Independence Day.SEE ALL CLOSURES