Kasasa Cash Back

Free rewards checking + purchasing power = cash back in your wallet!

You use your debit card everyday — start getting paid for it. With a free Kasasa Cash Back® checking account, you can earn up to $9 cash back every month and get refunds on ATM fees nationwide!*

There is no minimum balance requirement to earn rewards, free online banking with bill pay, and free mobile banking with remote deposit. Plus, link with Kasasa Saver® to earn more and automatically save!


Earning Your Rewards is a Breeze!

It’s so easy to earn your rewards that you’re probably already doing it! 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 one direct deposit or ACH payment transaction post and settle
  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive e-Statements 

Simple! Even if you don’t meet your qualifications during the cycle, your Kasasa Cash Back account is still free. And you can get right back to earning your cash rewards the very next month!

Qualification Dates

Qualification Cycle Dates for 2017

January 2017: 12/31/2016 through 1/30/2017

February 2017: 1/31/2017 through 2/27/2017

March 2017: 2/28/2017 through 3/30/2017

April 2017: 3/31/2017 through 4/29/2017

May 2017: 4/30/2017 through 5/30/2017

June 2017: 5/31/2017 through 6/29/2017

July 2017: 6/30/2017 through 7/28/2017

August 2017: 7/29/2017 through 8/30/2017

September 2017: 8/31/2017 through 9/29/2017

October 2017: 9/30/2017 through 10/30/201

November 2017: 10/31/2017 through 11/29/2017

December 2017: 11/30/2017 through 12/30/2017

Kasasa Cash Back

It just takes a few quick clicks to start!

*Qualifications Information: Account transactions and activities may take one or more banking days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts or transactions and purchases made with non-Ocean Communities issued debit cards. "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.

Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 1.00% cash back on debit card purchases that post and settle to the account during that cycle period up to $900 spend. A maximum of $9.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher.

When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of statement cycle. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. You must first fund a Share account with Ocean Communities FCU ($25) to open a free Kasasa Cash Back account. Monthly Direct Deposit/ACH credit, enrollment in online banking, receipt of electronic statements are conditions of this account. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account's qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact an Ocean Communities service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa and Kasasa Cash Back are trademarks of BancVue, Ltd., registered in the U.S.A.

Overdraft Protection: Ocean Communities offers optional overdraft protection plans to protect you from overdrafts and declined transactions. The following fees are applicable: Overdraft Fee ($30) for each item we pay; Nonsufficient Funds Fee ($30) for each item we do not pay; Account Overdrawn Fee ($5/day) is charged commencing on the second day an account is overdrawn; and Overdraft Transfer Fee ($5), if you are enrolled, for each item we pay through the transfer of available funds. The fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or by other electronic means. Ocean Communities reserves the right to require the accountholder to pay an overdraft immediately or on demand. We typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or if you have too many overdrafts.