Rewards Checking 5% APY or Cash Back YOU CHOOSE! $300 Make the switch to MMFCU and get an additional $300 with a Rewards Checking Account. Ask for details. $ KASASA CASH CHECKING 5% APY* on balances up to $10,000 0.15% APY* on balances over $10,000 Refunds on ATM withdrawal fees nationwide, up to $25* No minimum balance No monthly maintenance fee OR KASASA CASH BACK CHECKING 2% cash back on debit card purchases* Earn up to $96 cash back per year, $8 per month* Refunds on ATM withdrawal fees nationwide, up to $25* No minimum balance No monthly maintenance fee KASASA SAVER® 2.5% APY* on balances up to $35,000 0.15% APY* on balances over $35,000 No monthly maintenance fee No minimum balance to earn rewards EARNING YOUR REWARDS IS EASY! All the following transactions and activities must take place in your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle: At least 1 direct deposit or automatic payment transaction At least 12 debit card purchases Be enrolled in and agree to receive eStatements We'd like to set you up with a checking account that pays you rather than paying fees somewhere else. Stop in, call or go online today to open an account. MIDMINNESOTA FEDERAL CREDIT UNION 12 Convenient Locations | mmfcu.org Ask for KASASA *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 (which means a period beginning on the last business day of the month and ending on the second to the last business day of the month) in order to qualify for the accounts rewards. The following activities do not count toward earning account rewards: Transfers between accounts, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your accounts qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $10,000 receive APY of 5%; and balances over $10,000 earn 0.15% APY Kasasa Cash Back: 2% cash back on PIN-based/signature-based debit card purchases that post and settle to the account during that cyde period. A maximum of $8 cash back may be earned per Monthly Qualification Cycle. ATM Fee Refunds: you will receive reimbursements up to $25 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of $5 or higher. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.01% APY; cash back payments are not made, and ATM fees are not reimbursed. ATM Cash Back reimbursements and rewards will be credited the last business day of each month to the appropriate Kasasa account(s). Dividends will be credited on the last calendar day of each month to the appropriate Kasasa account(s). Rates and re- wards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. No minimum deposit is required to open a Kasasa account. Qualifications and rewards may vary by account. Monthly qualifications include: 1 ACH Debit or Credit, 12 Debit Card purchases, and receipt of electronic statements. If account doesn't qualify for three consecutive months, account will be transferred out of Kasasa product and into Simply Checking. There are separate disclosures for Simply Checking account. Limit 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. Contact MMFCU Member Services for additional information, details, restrictions, processing limitations and enrollment instructions. Certain restrictions apply. Federally insured by NCUA. Kasasa Saver (linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $35,000 in your Kasasa Saver account receive an APY of 2.50% and balances over $35,000 earn a 0.15% interest rate on the portion of balance over $35,000. When linked to the Kasasa Saver account, the dividends earned within the linked Kasasa Cash account do not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual dividend amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account. APY = Annual Percentage Yield. APYS accurate as of 4/30/25. The $300 bonus for a new Kasasa checking account will be earned after 60 days if account qualifiers are met. The $300 bonus will be paid within 30 days of meeting the requirement (approximately 90 days after opening the account). No minimum balance is required to earn the bonus or open a Kasasa account. The $300 bonus is reportable income for which you will receive a tax document. A $300 penalty will be imposed if the checking account is closed in the first six months. Checking promotion will end at the discretion of MMFCU. Rewards Checking 5 % APY or Cash Back YOU CHOOSE ! $ 300 Make the switch to MMFCU and get an additional $ 300 with a Rewards Checking Account . Ask for details . $ KASASA CASH CHECKING 5 % APY * on balances up to $ 10,000 0.15 % APY * on balances over $ 10,000 Refunds on ATM withdrawal fees nationwide , up to $ 25 * No minimum balance No monthly maintenance fee OR KASASA CASH BACK CHECKING 2 % cash back on debit card purchases * Earn up to $ 96 cash back per year , $ 8 per month * Refunds on ATM withdrawal fees nationwide , up to $ 25 * No minimum balance No monthly maintenance fee KASASA SAVER® 2.5 % APY * on balances up to $ 35,000 0.15 % APY * on balances over $ 35,000 No monthly maintenance fee No minimum balance to earn rewards EARNING YOUR REWARDS IS EASY ! All the following transactions and activities must take place in your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle : At least 1 direct deposit or automatic payment transaction At least 12 debit card purchases Be enrolled in and agree to receive eStatements We'd like to set you up with a checking account that pays you rather than paying fees somewhere else . Stop in , call or go online today to open an account . MIDMINNESOTA FEDERAL CREDIT UNION 12 Convenient Locations | mmfcu.org Ask for KASASA * 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 ( which means a period beginning on the last business day of the month and ending on the second to the last business day of the month ) in order to qualify for the accounts rewards . The following activities do not count toward earning account rewards : Transfers between accounts , non - retail payment transactions and purchases made with debit cards not issued by our credit union . Reward Information : Rewards vary by account . Depending on what Kasasa account you open , you will receive the following rewards when you meet your accounts qualifications during a Monthly Qualification Cycle : Kasasa Cash : Balances up to $ 10,000 receive APY of 5 % ; and balances over $ 10,000 earn 0.15 % APY Kasasa Cash Back : 2 % cash back on PIN - based / signature - based debit card purchases that post and settle to the account during that cyde period . A maximum of $ 8 cash back may be earned per Monthly Qualification Cycle . ATM Fee Refunds : you will receive reimbursements up to $ 25 ( $ 4.99 per single transaction ) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified . ATM receipt must be presented within sixty ( 60 ) calendar days of transaction for reimbursements of individual ATM fees of $ 5 or higher . When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.01 % APY ; cash back payments are not made , and ATM fees are not reimbursed . ATM Cash Back reimbursements and rewards will be credited the last business day of each month to the appropriate Kasasa account ( s ) . Dividends will be credited on the last calendar day of each month to the appropriate Kasasa account ( s ) . Rates and re- wards are variable and may change after account is opened . Fees may reduce earnings . Additional Information : Account approval , conditions , qualifications , limits , timeframes , enrollments , and other requirements apply . No minimum deposit is required to open a Kasasa account . Qualifications and rewards may vary by account . Monthly qualifications include : 1 ACH Debit or Credit , 12 Debit Card purchases , and receipt of electronic statements . If account doesn't qualify for three consecutive months , account will be transferred out of Kasasa product and into Simply Checking . There are separate disclosures for Simply Checking account . Limit 1 account per social security number . There are no recurring monthly maintenance charges or fees to open or close this account . Contact MMFCU Member Services for additional information , details , restrictions , processing limitations and enrollment instructions . Certain restrictions apply . Federally insured by NCUA . Kasasa Saver ( linked to a Kasasa Cash or Kasasa Cash Back account ) : Balances up to $ 35,000 in your Kasasa Saver account receive an APY of 2.50 % and balances over $ 35,000 earn a 0.15 % interest rate on the portion of balance over $ 35,000 . When linked to the Kasasa Saver account , the dividends earned within the linked Kasasa Cash account do not compound since it is automatically transferred to the Kasasa Saver account . Due to non - compounding , the actual dividend amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY * , if the advertised APY * is represented without a linked Kasasa Saver account . APY = Annual Percentage Yield . APYS accurate as of 4/30/25 . The $ 300 bonus for a new Kasasa checking account will be earned after 60 days if account qualifiers are met . The $ 300 bonus will be paid within 30 days of meeting the requirement ( approximately 90 days after opening the account ) . No minimum balance is required to earn the bonus or open a Kasasa account . The $ 300 bonus is reportable income for which you will receive a tax document . A $ 300 penalty will be imposed if the checking account is closed in the first six months . Checking promotion will end at the discretion of MMFCU .