Checking
So much more than just a checkbook!
Our Featured Free Checking Accounts
With our Kasasa Checking Accounts and our Classic Checking Account, we have something for everyone. All of our checking accounts feature:
- No minimum monthly balance or service fee
- Free online banking and bill pay
- Free mobile banking and mobile deposit
- Free Visa Debit Card
- 37,000 Surcharge-Free ATMs & 5,600+ Shared Branches
- Free first box of checks
Free Classic Checking
For those who like to keep things simple, our Classic Checking account has all the features you’ll ever need AND you’ll earn dividends as well.
Free Kasasa Cash® Checking
Kasasa Cash Checking pays a high rate on your account balance every month. Earn high dividends on your balance, plus refunds on ATM withdrawal fees, nationwide!
Summary
- 5.00% APY* on balances up to and including $10,000
- 0.25% APY* on balances over $10,000
- 0.05% APY* if qualifications aren't met
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)
- No minimum balance to earn rewards
Qualifying Is Easy
Qualifying is easy. Better yet, there's never a penalty fee if you come up short. To earn your rewards, simply do the following activities and transactions in your Kasasa Cash Back account each monthly qualification cycle (statement cycle).
- At least 12 debit card purchases
- At least one ACH direct deposit or ACH payment transaction
- Be enrolled in and agree to receive eStatements
And that’s it. Even if you don’t meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you’ll still earn our base dividend rate and can get right back to earning your full rewards the very next month!
*APY = Annual Percentage Yield
Free Kasasa Cash Back® Checking
Be rewarded with refunds on debit card purchases every month! You’ll also get refunds on ATM withdrawal fees, nationwide.
Summary
- 5.00% cash back on debit card purchases
- No category restrictions on purchases
- Cash back earned on up to $250 in purchases monthly
- Earn up to $150 cash back per year, $12.50 per month
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)
- No minimum balance to earn rewards
Qualifying Is Easy
Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle (statement cycle).
- At least 12 debit card purchases
- At least one ACH direct deposit or ACH payment transaction
- Be enrolled in and agree to receive eStatements
That’s just how simple it is. Don’t worry if you don’t meet your qualifications during the cycle — your Kasasa Cash Back account is still free. You can get right back to earning your full rewards the very next month!
*APY = Annual Percentage Yield
| Account | Free Kasasa Cash Checking* | Free Kasasa Cash Back Checking* | Free Classic Checking |
|---|---|---|---|
| Rewards |
|
|
|
| Monthly Service Fee | $0 | $0 | $0 |
| ATM Refunds | $25 | $25 | None |
| First free box of checks | Yes | Yes | Yes |
| Free debit card | Yes | Yes | Yes |
| Minimum opening deposit | $0 | $0 | $0 |
| Minimum balance | $0 | $0 | $0 |
*Qualifying for Free Kasasa Checking is easy.
- At least one direct deposit or ACH payment transaction(s) per month
- At least 12 debit card purchases per month
- Be enrolled in and agree to receive eStatements
Don’t worry if you come up short – your account is always free, and you can try again next month.
*APY = Annual Percentage Yield
VISA Debit Card
Accepted by VISA merchants worldwide, the VISA Debit Card doubles as your ATM card allowing ten free ATM (PIN based) withdrawals per month with a $1.00 charge per withdrawal thereafter.
Remember to choose the “credit” option on purchases to minimize the number of PIN based transactions. “Credit” transactions are always free!
We now offer contactless debit cards!
What is a contactless debit card?
A contactless debit card is a card that uses radio frequency identification technology and near-field communication (NFC) to process transactions, allowing you to hover or tap your contactless card over a terminal and complete a transaction.
- Security. Contactless cards are just as secure as chip cards, and they’re even more secure than magnetic stripe payments! Each contactless transaction creates a unique, one-time code. This helps reduce security risks since the code can’t be used again – and it can be read only by the card-processing network.
- Simple. Contactless cards are easy to use. Just tap your card where you see the contactless symbol – it’s even easier than swiping or inserting your card!
- Fast. Tap your card to quicky pay at fast food restaurants, pharmacies, grocery stores, transit systems, and more. Contactless payment can be up to 10 times faster, allowing for a more efficient checkout experience!
Contactless cards provide a convenient, secure, and efficient way to make payments, offering a fast and more streamlined experience compared to traditional card payment methods.
For Lost/Stolen Cards call 1-800-472-3272 24 hours per day.
To locate a surcharge free ATM near you, click on the logos below.
To apply for an ATM/Debit Card, please fill out the secure form below.
Direct Deposit Instructions
Setting up Direct Deposit is easy!
For NM employees, log into Workday/Pay/Payment Elections.
Not an NM employee? You can still have your paycheck directly deposited to your account.
Routing/ABA Number: 275080334
Account Number: Your 6-digit account number (5 digits for older accounts)
Have Questions?
Feel free to reach out with any questions.