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NOW AVAILABLE! 

Kasasa Checking Accounts

Free checking accounts that reward you? Count us in! These BRAND NEW Kasasa checking accounts reward you just for doing things that you're probably already doing, like using your debit card!

With these brand-new, FREE checking accounts, you can earn ATM fee refunds nationwide! Plus, you can choose a checking account with high interest earnings, cash back on your purchases or rewards to spend at Amazon.com, iTunes and Google Play.

Earning cash rewards and ATM fee refunds is super simple. To qualify each month, just do really convenient things that you’re probably doing already, like:
  • Use your debit card
  • Log in to online banking
  • Sign up for e-statements
There’s never a minimum balance for rewards. And, if you don’t make it one month, just try again. No worries, no penalties. Your free Kasasa checking account is always free.

Choose from three Kasasa accounts:

Kasasa Cash*
Get an above-market interest rate

Kasasa Cash Back*
Earn 4% back on your purchases

Kasasa Tunes*
Get rewarded for your purchases at Amazon, iTunes and Google Play.


Basic MACU Checking Account Features:

Looking for an interest bearing checking account? Read about our Money Market Advantage Checking



MACU Student Checking Accounts

  • No minimum balance required
  • No monthly service charge
  • Free Online Bill Pay
  • Free check writing and e-statements
  • Free 5,000 shared branching nationwide locations
  • Free Mobile Banking
  • Free Rewards with Your Checking Account





*Kasasa Cash Back
This disclosure contains the rules that govern your deposit account as of March 28, 2017. 

Account Overview 
Kasasa Cash Back® is a free variable rewards checking account with no minimum balance that rewards accountholders with cash back on their PIN-based/ signature-based debit card purchases and nationwide ATM fee refunds when they meet minimum qualifications during the account's Monthly Qualification Cycle. 

Purpose & Use Expectations 
The Kasasa Cash Back account is intended to be the accountholder’s primary checking account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled. 

Commensurate with the spending activities identified above, we expect the account’s debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account’s rewards and thus will be deemed inappropriate transactions and will not count toward earning the account’s rewards. 

Members Advantage Credit Union reserves the right to determine,  if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over 12 consecutive Statement Cycles.

We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. Upon closing, any remaining balance will be transferred to another account or a Members Advantage Credit Union check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash Back account, any optional add-on products/ services associated with this account will also be terminated at the same time.

Qualifications 
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 12 debit card purchases post and settle 
Be enrolled in and agree to receive eStatements 
Be enrolled in and log into online banking at least once 

Transactions and activities must post and settle to the account during each Monthly Qualification Cycle and may take one (1) or more Banking Days from the date the transaction or activity occurred to post and settle to the account. 

“Banking Day” means any business day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions.
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 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
“Statement Cycle” means the period of time for which Members Advantage Credit Union provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. 

Rewards 
When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 4.00% cash back on up to a TOTAL of $200.00 PIN-based/ signature-based debit card purchases that post and settle to the account during that cycle period up to a maximum cash back earned of $8.00 per Monthly Qualification Cycle; as well as 2) reimbursements up to an aggregate total of $25 (Max. $5 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  higher than $5. 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.

Cash back payments and ATM refunds will be credited to the account on the last day of the current Statement Cycle. 

When Kasasa Cash Back qualifications are not met, you will not receive cash back on PIN-based/ signature-based debit card purchases and ATM fees are not  refunded. 

Rates and rewards are variable and at our discretion may change after the account is opened without notice to you.  Fees may reduce earnings. No minimum balance is required to earn or to receive the account’s rewards.  Rewards less than a penny cannot be distributed.

Additional Information 
No minimum deposit is required to open the account. Monthly enrollment in online banking and receipt of electronic statements are conditions of this account. This account is not to be used for commercial purposes and there is a limit of one (1) account per social security number. There are no fees to open or close this account. There are no recurring monthly service charges associated with this account. See accompanying Fee Schedule for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, electronic statements) may be required to meet some of this account’s qualifications. Contact a Members Advantage Credit Union service representative for additional information, details and enrollment instructions. Federally insured by NCUA. 

Overdraft Protection 
Members Advantage Credit Union offers optional overdraft protection plans to protect you from overdrafts and declined transactions. The fees associate with Overdraft Transfers, Non-Sufficient (NSF), and Courtesy Pay can be found on our most current fee schedule. Fees may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or by other electronic means.  Members Advantage Credit Union reserves the right to require the accountholder to pay an overdraft immediately or on demand to establish a positive balance in the account. We typically do not pay overdrafts, if your account is not in good standing, if you are not making regular deposits, or if you have too many overdrafts.

*Kasasa Cash
This disclosure contains the rules that govern your deposit account as of March 28, 2017. 

Account Overview 
Kasasa Cash® is a free, variable rate checking account with no minimum balance that rewards accountholders with interest and nationwide ATM fee refunds when they meet minimum qualifications during the account’s Monthly Qualification Cycles. 

Purpose and Expected Use of Account 
This account is intended to be the accountholder’s primary checking account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled. 

Commensurate with the spending activities identified above, we expect the account’s debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account’s rewards and thus will be deemed inappropriate transactions and will not count toward earning the account’s rewards.
Members Advantage Credit Union reserves the right to determine, in its sole discretion, if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over 12 consecutive Statement Cycles. 

We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account.  A Members Advantage Credit Union check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash account, any optional add-on products or services associated with this account will also be terminated at the same time.
 Interest Rate & Annual Percentage Yield (APY) 

Compounding & Crediting: Interest will be compounded on a monthly basis. Interest will be credited to your account on the last day of the current Statement Cycle. If you close your account before the interest is credited, you will not receive the accrued interest.  Interest begins to accrue on the Banking Day you deposit noncash items (for example, checks). 

“Banking Day” means any business day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions. 
Balance Computation Method: We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the Statement Cycle. 

Interest Rate & Annual Percentage Yield: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, Tier 1: An interest rate of 2.50% will be paid on the portion of your average daily balance that is less than or equal to $5,000 The annual percentage yield for this tier is 2.50%. Tier2:  An interest rate of 0.10% will be paid on the portion of your average daily balance that is greater than $5,000. The annual percentage yield for this tier will range from 0.10% to 2.50%, depending on the balance in the account. When your Kasasa Cash account qualifications are not met, the interest rate paid on the entire balance will be 0.05% with an annual percentage yield of 0.05%. 

Qualifications 
To earn your rewards just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle: 

Have at least 12 debit card purchases post and settle. 
Be enrolled in and agree to receive e-Statements 
Be enrolled in and log into online banking

Transactions may take more than one (1) or more Banking Days from the date the transaction or activity occurred to post and settle to your account.  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 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. 

“Statement Cycle” means the period of time for which Members Advantage Credit Union provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. 

Rewards 

When Kasasa Cash qualifications are met during a Monthly Qualification Cycle, (1) an interest rate of 2.50% will be paid on the portion of your average daily balance that is less than or equal to $5,000 and the annual percentage yield for this tier is 2.50%. An interest rate of 0.10% will be paid on the portion of your average daily balance that is greater than $5,000 resulting in annual percentage yield for this tier ranging from .10% to 2.50%, depending on the account’s balance and (2) you will receive reimbursements up to an aggregate total of $25 (max. $5.00 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 greater than $5.00 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, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield of 0.05% and ATM fees are NOT refunded. 

Interest and ATM fee reimbursements will be credited to the account on the last day of the current Statement Cycle.   APY = Annual Percentage Yield.  APY calculations are based on an assumed total account balance of $5,000

Rates and rewards are variable and at our discretion may change after account is opened without notice to you. Fees may reduce earnings. No minimum balance is required to earn or to receive the account’s rewards. Rewards less than a penny cannot be distributed.
Additional Information 
No minimum deposit is required to open the account. Enrollment in online banking and receipt of electronic statements are conditions of this account. We reserve the right to transition your account to a different checking account product if you either a) un-enroll from eStatements or un-enroll from Online banking. This account is not to be used for commercial purposes and there is a limit of one (1) account per social security number. There are no fees to open or close this account. There are no recurring monthly service charges associated with this account. See accompanying Fee Schedule for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, electronic statements) may be required to meet some of this account’s qualifications. Contact a Members Advantage Credit Union service representative for additional information, details, and enrollment instructions. Federally insured by NCUA.
Overdraft Protection 
Members Advantage Credit Union offers optional overdraft protection plans to protect you from overdrafts and declined transactions. The fees associated with Overdraft Transfers, Non-Sufficient (NSF), and Courtesy Pay can be found on our most current fee schedule. Fees may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or by other electronic means. Members Advantage Credit Union reserves the right to require the accountholder to pay an overdraft immediately or on demand to establish a positive balance in the account. We typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or if you have too many overdrafts.



*Kasasa Tunes
This disclosure contains the rules that govern your deposit account as of March 28, 2017. 

Sign Up Bonus 
As a Sign Up Bonus to individuals at least 18 years of age who open and fund a new Kasasa Tunes account, our credit union will refund up to an aggregate total of $20 (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 60 calendar days after your account is opened. This refund will be credited to your account on the last day of the current statement cycle after your aggregate iTunes, Amazon.com, Google Play purchase threshold of $20 posts and settles to your account. This bonus will be treated as interest for IRS (Form 1099 INT) reporting purposes. Any portion of the Sign Up Bonus that is not used within the stated time period will be forfeited. No minimum balance is required to obtain this bonus. No minimum deposit is required to open the account. Limit one (1) account per social security number and one Sign Up Bonus per account per calendar year. If your Kasasa Tunes account is closed within 3 months of account opening, we will deduct the Sign Up Bonus at closing. Sign Up Bonus will not be paid if accountholder switches into Kasasa Tunes from another Kasasa account that offered an account opening incentive to open the initial account. 

Account Overview 
Kasasa Tunes is a free variable rewards checking account with no minimum balance that rewards accountholders with reimbursements on iTunes, Amazon.com and Google Play purchases and nationwide ATM fee refunds when they meet minimum qualifications during the account’s Monthly Qualification Cycle. 

Purpose & Use Expectation 
This account is intended to be the accountholder’s primary checking account in which day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled.

Commensurate with the spending activities identified above, we expect the account’s debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account’s rewards and thus will be deemed inappropriate transactions and will not count toward earning the account’s rewards.

Members Advantage Credit Union reserves the right to determine, if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over 12 consecutive Statement Cycles.

We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Members Advantage Credit Union check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Tunes account, any optional add-on products or services associated with this account will also be terminated at the same time. 

Qualifications 
To earn your account rewards just do the following transactions and activities in your Kasasa Tunes account during each Monthly Qualification Cycle: 

  • Have at least 12  debit card purchases post and settle 
  • Be enrolled in and agree to receive eStatements 
  • Be enrolled in and log into online banking at least once 

Transactions must post and settle to the account during each Monthly Qualification Cycle and may take one (1) or more Banking Days from the date the transaction or activity occurred to post and settle to the account. 

“Banking Day” means any business day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions.

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 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. 

“Statement Cycle” means the period of time for which Members Advantage Credit Union provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. 

Rewards 
When Kasasa Tunes qualifications are met during a Monthly Qualification Cycle: (1) you will earn up to an aggregate total of $10 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases and in order to be refunded iTunes, Amazon.com and Google Play purchases must be made with your Members Advantage Credit Union Kasasa Tunes debit card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified ends and (2) you will receive reimbursements up to an aggregate total of $25 (max. $5 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 based on estimates when the withdrawal information we receive does not identity the ATM fee.  If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within 60 calendar days of the withdrawal transaction.  iTunes, Amazon.com, Google Play refunds and ATM fee reimbursements will be credited to your account on the last day of the current Statement Cycle in which these purchases post and settle to your account and the ATM fees were incurred.  When Kasasa Tunes qualifications are not met, iTunes, Amazon.com, Google Play purchases and ATM fees are not refunded.

* Kasasa Tunes is a trademark of Kasasa, Ltd., registered in the U.S.A. iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program.

Reward Administration 
iTunes, Amazon.com and Google Play purchases are refunded via a “grant” and “credit” process. On the last day of each Statement Cycle in which you qualify, we establish a refund “grant” of up to and including $10 for your account. Each “grant” is valid for up to and including 30 calendar days. All iTunes, Amazon.com and Google Play refunds are “credited” against your account’s oldest active “grant.” If the account is closed, you will forfeit any refunds grants that have not been credited to your account. Rates and rewards are variable and at our discretion may change after the account is opened without notice to you. Fees may reduce earnings. No minimum balance is required to earn or to receive the account’s rewards. Rewards less than a penny cannot be distributed. 

Additional Information 
No minimum deposit is required to open the account. Enrollment in online banking and receipt of electronic statements are conditions of this account.   This account is not to be used for commercial purposes and there is a limit of 1 account per social security number. There are no fees to open or close this account. There are no recurring monthly service charges associated with this account. See accompanying Schedule of Consumer Fees and Charges for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, electronic statements) may be required to meet some of this account’s qualifications. Contact a Members Advantage Credit Union service representative for additional information, details and enrollment instructions. Federally insured by NCUA.

* Kasasa Tunes is a trademark of Kasasa, Ltd., registered in the U.S.A. iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program.

Overdraft Protection 
Members Advantage Credit Union offers optional overdraft protection plans to protect you from overdrafts and declined transactions. The fees associated with Overdraft Transfers, Non-Sufficient (NSF), and Courtesy Pay can be found on our most current fee schedule. Fees may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or by other electronic means.  Members Advantage Credit Union reserves the right to require the accountholder to pay an overdraft immediately or on demand to establish a positive balance in the account. We typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or if you have too many overdrafts.

Kasasa Tunes is a trademark of Kasasa, Ltd., registered in the U.S.A. iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program.