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Richland Federal Credit Union
201 West Holly Street
Sidney, MT 59270
(406) 482-2704

 


Culbertson Branch

18 East 2nd Street
PO Box 479
Culbertson, MT 59218
(406) 787-5890


rKasasa Cash Back Checking Kasasa Tunes Checking
 
 

Free Kasasa Cash® Checking

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

Free Kasasa Cash® checking pays you in ways that matter — just for doing simple activities you probably already do! Earn up to 2.00% APY* every month.

You’ll also get refunds on ATM withdrawal fees, nationwide — so every ATM is your ATM, whether you’re in Sidney, Culbertson, or anywhere else. Come see us today to open your account!

Benefits

  • Free checking that pays high dividends
  • 2.00% APY* on balances up to $5,000
  • 2.00% to 0.19% APY on balances over $5,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free online banking with bill pay
  • Free eStatements
  • Free Mastercard®
  • No minimum deposit to open

Please note that receiving eStatements is a condition of having this account.

Here’s how easy it is to earn your 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 12 debit card purchases
  • Be enrolled in and log into online banking

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.

*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. A minimum of 12 debit card purchases must post and settle per monthly qualification cycle and enrollment in online banking with a minimum log-on of one per month are qualifications of this account. Enrollment in eStatements is a condition of this account. Limit 1 account per social security number. 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 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 1 business day prior to the first day of the current statement cycle through 1 business day prior to the close of the current statement cycle.

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, balances up to $5,000.00 receive APY of 2.00%; and balances over $5,000.00 earn .10% interest rate on the portion of balance over $5,000.00, resulting in a range from 2.00% to .19% APYdepending on the account’s balance and you will receive reimbursements up to an aggregate total of $20.00 maximum of $4.99 per single transaction for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM 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 Kasasa Cash qualifications are not met, all balances in the account earn .05% APY and ATM withdrawal fees are not refunded. Dividends and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or closethis account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA.

 
 
 
 
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Richland Federal Credit Union