Kasasa Cash

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Enjoy high dividend earnings and refunds on ATM withdrawal fees.*

With Kasasa Cash® at Lincoln Maine FCU, we literally pay you to bank with us. When you do simple activities you probably already do, you’ll earn up to 3.00% APY*.

Plus, you’ll get refunds on ATM withdrawal fees, nationwide — so every ATM is your ATM. Link your account to a free Kasasa Saver® to make saving easy. Open your accounts online now!

Benefits

  • Free checking that pays high dividends
  • 3.00% APY* on balances up to $10,000
  • 3.00% to 0.50% APY on balances over $10,000 depending on balance in account*
  • 0.05% APY* if qualifications aren’t met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to free Kasasa Saver to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free online banking with bill pay
  • Free eStatements
  • Free mobile banking
  • Free telephone banking
  • Free Visa® debit card
  • CU Service Centers
  • Surcharge-Free Co-Op ATMs
  • No minimum deposit to open

Here’s how easy it is to earn cash rewards:
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH payment, or bill pay transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements

And if you don’t meet these qualifications, don’t worry — your account is still free.
Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

*Kasasa Cash Disclaimer
Qualification Information: Account transactions and activities may take one or more 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, debit and credit card purchases processed by merchants and received by our credit union as ATM transactions, PIN-based, signature based 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.
“Monthly Qualification Cycle” means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle.
Reward Information:
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $10,000 in your Kasasa Cash account earn a dividend rate of 2.9595% resulting in an APY of 3.0%; and average daily balances over $10,000 earn a dividend rate of 0.2497% on the portion of the average daily balance over 10,000, resulting in a range from3.00% to 0.50% APY depending on the account’s average daily balance.
You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.
When your Kasasa Cash qualifications are not met, the dividend rate earned on the account’s entire average daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded.
Dividends will be credited to your Kasasa Cash account on the last day of the current statement cycle.Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 03/01/2019.
APY calculations are based on an assumed balance of $10,000+ $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
Membership restrictions may apply.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
N0 minimum deposit is required to open the account.
Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.
Limit of 1 account(s) per SSN.
There are no recurring monthly maintenance charges or fees to open or close this account.
Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Federally insured by NCUA. All of your deposits are federally insured by NCUA up to $250,000.
Trademarks: Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
See Kasasa For Qualification Cycle Dates