Checking Accounts

Checking

KUE FCU offers an attractive checking program to its members. There is no catch. You get your account FREE, you do not have to maintain a minimum balance and you can write as many checks as you like for FREE. As an added bonus, the credit union will give you the first 80 checks, for FREE! 

With a KUE FCU checking account, you get the added benefit of a FREE debit card, with the ability to withdraw from Fee-Free ATMs, within the Allpoint and Alliance One Networks. Click here to find an ATM near you! 

KUE has partnered with Kasasa to bring you a new FREE Rewards checking account! With a Kasasa Checking Account you get a completely FREE checking account that pays you in ways that matter. Just by using your checking account as you normally would, you can start earning rewards! There are no monthly service fees or penalties, and you can choose the reward that works for you: a high interest rate OR cash back! 

Kasasa® Cash

Kasasa Cash^® is a completely FREE checking account that pays you back, when the qualifications are met! Kasasa^® also refunds your ATM withdrawals fees, nationwide* and has no monthly maintenance fees! 

• 4.00% APY* on balances as much as $10,000 when qualifications are met

• 0.01% APY* on all balances, even if qualifications are not met

• No minimum balance to earn rewards

• No minimum deposit required to open the account

• No monthly maintenance fees

To earn rewards, all of the following transactions and activites must post and settle to your Kasasa Cash^®  account during each month cycle:

• At least 1 direct deposit or ACH payment transaction(s)

• At least 12 debit card purchases 

• Be enrolled and receive e-statements

*Disclosures

Kasasa® Cash Back

Kasasa Cash Back^®  is a completely FREE checking account that pays you for your debit card purchases, when the qualifications are met! Kasasa Cash Back^® also refunds your ATM withdrawals fees, nationwide* and has no monthly maintenance fees! 

• 3.00% cash back on everyday debit card purchases*

• Earn as much as $9.00 cash back per month*

• No minimum deposit required to open the account

• No monthly maintenance fees

To earn rewards, all of the following transactions and activites must post and settle to your Kasasa Cash Back^®  account during each month cycle:

• At least 1 direct deposit or ACH payment transaction(s)

• At least 12 debit card purchasesBe enrolled and receive e-statements

*Disclosures

Kasasa® Tunes

Kasasa Tunes^®  is a completely FREE checking account that refunds purchases made at Amazon.com®, Apple iTunes®, or Google Play™, when the qualifications are met! Kasasa Cash Back^® also refunds your ATM withdrawals fees, nationwide* and has no monthly maintenance fees! 

• As much as $10.00 in refunds for Amazon.com®, Apple iTunes®, or Google Play™

• No minimum deposit required to open the account

• No monthly maintenance fees

As a bonus to those who open and fund a new Kasasa Tunes account, our credit union will refund up to an aggregate total of $20.00 (which includes any applicable taxes) for any iTunes, Amazon.com or Google Play purchases made with your Kasasa Tunes debit card that post and settle to the account within the first sixty (60) calendar days after your account is opened. 

To earn rewards, all of the following transactions and activites must post and settle to your Kasasa Tunes^®  account during each month cycle:

• At least 1 direct deposit or ACH payment transaction(s)

• At least 12 debit card purchases 

• Be enrolled and receive e-statements

*Disclosures

Kasasa® Saver with Kasasa® Cash

Kasasa Saver with Cash^® is a FREE savings account add on to your Kasasa Cash^® account. Each time you earn rewards in your Kasasa Cash^® account, they are automatically transferred into Kasasa Saver^®, where they earn higher dividends!

• 0.75% APY* on balances as much as $10,000 when qualifications are met

• 0.01 APY* on all balances, even if qualifications are not met

• Automatic transfers of Kasasa Cash^® earnings

• No minimum deposit required to open the account

• No monthly maintenance fees

To earn rewards, all of the following transactions and activites must post and settle to your Kasasa Cash^®  account during each month cycle:

• At least 1 direct deposit or ACH payment transaction(s)

• At least 12 debit card purchases 

• Be enrolled and receive e-statements

*Disclosures

Kasasa® Saver with Kasasa® Cash Back

Kasasa Saver with Cash^® is a FREE savings account add on to your Kasasa Cash Back^® account. Each time you earn rewards in your Kasasa Cash Back^® account, they are automatically transferred into Kasasa Saver^®, where they earn higher dividends!

• 0.75% APY* on balances as much as $10,000 when qualifications are met

• 0.01 APY* on all balances, even if qualifications are not met

• Automatic transfers of Kasasa Cash Back^® earnings

• No minimum deposit required to open the account

• No monthly maintenance fees

To earn rewards, all of the following transactions and activites must post and settle to your Kasasa Cash Back^®  account during each month cycle:

• At least 1 direct deposit or ACH payment transaction(s)

• At least 12 debit card purchases 

• Be enrolled and receive e-statements

*Disclosures

Funds Availability Policy

The policy at KUE FCU is to make funds from deposits available to members on the first business day the credit union receives the deposit. We reserve the right to place a hold on high deposit amounts.

For determining the availability of deposits, every day is a business day, except Saturdays, Sundays, federal holidays (excluding MLK Day), the day after Thanksgiving, Good Friday, Christmas Eve, and Christmas Day. If a member makes a deposit before 4:30pm on a business day that the credit union is open, that day is considered to be the date of your deposit. However, if a member makes a deposit after 4:30pm or on a day the credit union is not open, the credit union will consider that deposit to be made on the next business day the credit union is open. Availability depends on the dollar amount of the check.

VISA Debit Card

Use this secure Chip Card to make purchases anywhere VISA Debit Cards are accepted and to get cash at ATM’s nationwide. The funds are automatically deducted from your Checking Account. It’s a good way to pay for gas, groceries, and any other daily need. Daily limits for ATM withdrawals ($500.00) and Point-of-Sale purchases ($1000.00) are in place for security reasons, and can be temporarily increased if requested. The Debit Card can only be used within the United States. If you would like to request a temporary increase or need assistance with accessing your funds, contact the Credit Union.

New Debit Card features include:

• CardValet through the KUE FCU Debit Card Services App - Cardholders can control when, where, and how a card is used at any time through alerts and restricting card usage.
• Instant Issue - Now available in the office, you can receive a new or replacement card with next day activation. 

If you have an open and active checking account and would like a Debit Card, please let us know.

Longer Delays May Apply

Funds deposited by check may be delayed for a longer period under the following circumstances:

- The Credit Union believes a check a member deposited will not be paid.
- A member deposits checks totaling more than $5,000 on any one day.
- A member re-deposits a check that has been returned unpaid.
- A member has overdrawn their account repeatedly in the last three months.
- There is an emergency, such as failure of communications or computer equipment.
- The Credit Union will notify a member if their ability to withdraw funds for any of these reasons, and the Credit Union will tell the member when the funds will be available. The Credit Union generally will make funds available no later than the fifth business day after the day of your deposit.

If you are interested in opening a checking account, please contact the credit union office.

Notice of Changes in Temporary NCUA Insurance Coverage for Transaction Accounts

Through December 31, 2012, all funds in “non-interest bearing transaction accounts” are insured in full by the National Credit Union Administration. This coverage is in addition to, and separate from, the coverage of at least $250,000 and is available to members under the NCUA's general share insurance rules. After December 31, 2012, funds in these accounts will be insured under the NCUA's general share insurance rules, subject to the Standard Maximum Share Insurance Amount of $250,000. For more information about NCUA insurance coverage of transaction accounts, visit http://www.ncua.gov.