Personal Checking
Accounts
Rewarding, fee-free options from a local credit union that gets you.
Two Checking Choices, Designed for You
Banking with locals who live and work in your neighborhood is a no-brainer. With Free Kasasa Cash® and Free Kasasa Cash Back® Checking, we give you the flexibility to spend, save, and earn rewards — all while keeping your money where your roots are.
| Free Kasasa Cash® | Free Kasasa Cash Back® | |
|---|---|---|
| Rewards | High Interest Open in Minutes |
Cash Back Open in Minutes |
| Monthly Fee | FREE | FREE |
| Best For | High Balances | Debit Card Transactions |
| Rewards |
|
|
| Monthly Maintenance Fee | $0 | $0 |
| Free ATMs? | Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)* | Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)* |
| Free online banking with bill pay? | Yes | Yes |
| Free debit card? | Yes | Yes |
| Minimum Opening Deposit | $5 | $5 |
Free Kasasa Cash®
- Rewards: High Interest
Open in Minutes - Fees: FREE
- Best For: High Balances
- Rewards:
- Earn 5.0% APY* on balances up to $25,000
- Earn 0.10% APY* on any amount over $25,000
- Earn 0.01% APY* if qualifications aren’t met
- Monthly Maintenance Fee: $0
- Free ATMs?: Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
- Free online banking with bill pay?: Yes
- Free debit card?: Yes
- Minimum Opening Deposit: $5
Free Kasasa Cash Back®
- Rewards: Cash Back
Open in Minutes - Fees: FREE
- Best For: Debit Card Transactions
- Rewards:
- Earn 3.00% cash back on debit card purchases*
- Earn cash back on your first $300 in purchases each month
- Earn up to $108 cash back per year, $9 per month
- Monthly Maintenance Fee: $0
- Free ATMs?: Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
- Free online banking with bill pay?: Yes
- Free debit card?: Yes
- Minimum Opening Deposit: $5
What is Kasasa?
Kasasa is a rewards platform that we partner with to offer you free checking accounts with built-in perks. Through Kasasa, we can provide you with benefits like cash back or rewards without monthly maintenance fees while keeping your money close to home.
Watch the Rewards Roll In
At Advantage Plus, we believe you deserve to be rewarded simply for being you (and for trusting us with your financial life). That’s why we’ve made sure our online checking accounts turn everyday banking into something that gives back, no matter your money style:
For High-Balance Savers:
Watch your money grow while keeping it accessible with Free Kasasa Cash® Checking.
For Everyday Spenders:
Earn cash back on coffee runs, groceries, or a tank of gas with Free Kasasa Cash Back® Checking.
How to Get the Most Out of Your Rewards
Getting the most out of your Free Kasasa Cash® or Free Kasasa Cash Back® Checking rewards is simple. Just make sure your enrollments are set up and that the following activities are posted to your account each month to qualify for full rewards.
At least 1 direct deposit, ACH payment, or ACH credit
At least 12 debit card purchases
Be enrolled in and review e-statements
Be enrolled in and log into online banking
What If I Don’t Qualify?
Even if you miss a month, your personal checking account stays free. And best of all, you can still earn our base dividend rate and keep earning your full rewards the very next month!
Your Cash, Guarded 24/7
Online checking should be easy — and above all, safe. At Advantage Plus, we look out for your account the way a good neighbor should, providing you with the tools, security features, and support you need to manage your money without worry.
Fraud Protection: Always vigilant, always ready.
Account Security: Keeping your information safe is our top priority.
Peace of Mind: Manage your money anytime, anywhere, without worry.
Bank on Your Schedule, Not Ours
Not everyone can do life on bankers’ hours. We get that. With Advantage Plus, your account comes with complimentary online tools, allowing you to pay bills, check balances, and manage your finances anytime.
Mobile Banking with Mobile Deposit: Save a trip to the bank and deposit your check whenever it’s convenient with your smartphone.
Online Banking & Bill Pay: Pay bills or transfer funds with 24/7 online banking from any computer with internet access.
Smart Money Management: Stay on top of your spending with e-statements for more informed budgeting and saving.
Why Choose Advantage Plus Federal Credit Union?
At Advantage Plus, you’re not just another account number. You’re like family, and we treat you accordingly — giving you a voice in everything we do!
As a not-for-profit institution, we’re accountable to you, our friends and neighbors, instead of shareholders. That’s why we can reinvest in the Idaho community with lower loan rates, higher dividend rates, no fees, and perks that make banking easier and more rewarding.
Member-Owned Difference
Because you’re a member, your interests are our priority. Every decision is guided to help you reach your financial goals.
Local and Personal
Since 1953, we’ve proudly served the communities of Southeast Idaho and Star Valley, Wyoming, building relationships and supporting our neighbors in every way we can.
Award-Winning Service
From friendly faces at our branches to helping online guidance, we strive to make every interaction approachable and straightforward.
Open Your Account in Minutes
Opening a checking account online is fast and easy. All you need is a few minutes and:
Social Security Number or Tax ID
Driver's license or passport
$5 minimum deposit to fund your new account
Need help? Contact us today to get started.
Frequently Asked Questions
What is a checking account?
A checking account is a type of bank account that allows you to safely store and easily access your money for everyday needs. Every checking account comes with a debit card, allowing you to spend without carrying cash and deposit or withdraw funds online or at a local branch.
What’s the difference between Free Kasasa Cash® and Free Kasasa Cash Back®?
Free Kasasa Cash® is best for savers who want to earn interest on their balance, while Free Kasasa Cash Back® is for spenders who want to earn cash back on everyday purchases.
Can I have both checking accounts?
You only need one! Choose the personal checking account that matches your lifestyle (Free Kasasa Cash® for savers or Free Kasasa Cash Back® for spenders), and you’re set.
What are the account fees?
Both Free Kasasa Cash® Checking and Free Kasasa Cash Back® Checking accounts have $0 monthly maintenance fees, giving you more freedom to use your money your way
What are the requirements to open a checking account online?
To open a checking account online with Free Kasasa Cash Back®, you need:
- Social Security Number or Tax ID
- Driver's License or Passport
- $5 minimum deposit to fund your new account
That’s it! No minimum balance to maintain, no monthly fees, and you can start earning rewards right away.
Important Disclosures
Free Kasasa Cash Checking
*Qualifications 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 to qualify for the account’s rewards. 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 Advantage Plus FCU as ATM or PIN-based,
- Signature-based transactions and purchases made with non-Advantage Plus FCU-issued debit cards.
“Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current month cycle through one (1) business day prior to the close of the current month cycle.
Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $25,000 receive APY of 5.0%; and any amount over $25,000 earns 0.10% APY, (2) you will receive reimbursements up to *$25.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within thirty (30) calendar days of the transaction to be eligible for reimbursements of individual ATM fees of $5.00 or higher.
When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY, and ATM fees are not refunded. Dividends and ATM fee reimbursements will be credited to your Advantage Checking account on the last day of the statement cycle.
*APY = Annual Percentage Yield. APYs are accurate as of 10/02/2023. Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings.
Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons, and other requirements apply. No minimum deposit is required to open the account. Monthly Direct Deposit/ACH, enrollment in online banking, and receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons may be required to meet some of the account’s qualifications. Limit 1 (one) account per social security number. There are no recurring monthly service charges or fees to open or close this account. (For Kasasa Cash Back or Kasasa Cash account, member may not be enrolled in both accounts).
Contact an Advantage Plus FCU service representative for additional information, details, restrictions, processing limitations, and enrollment instructions. Federally insured by NCUA.
Free Kasasa Cash Back Checking
*Qualifications 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. 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 Advantage Plus FCU as ATM or PIN-based,
- Signature-based transactions and purchases made with non-Advantage Plus FCU-issued debit cards.
“Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.
Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 3.00% cash back on up to a total of $300.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to $25.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within thirty (30) calendar days of the transaction for reimbursements of individual ATM fees of $5.00 or higher.
When Kasasa Cash Back qualifications are not met, no cash back payments are made, and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Plus Checking account on the last day of the statement cycle. Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings.
Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons, and other requirements apply. No minimum deposit is required to open the account. Monthly Direct Deposit/ACH, enrollment in online banking, and receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons may be required to meet some of the account’s qualifications. Limit 1 (one) account per [social security number].
There are no recurring monthly service charges or fees to open or close this account. (For Kasasa Cash Back or Kasasa Cash account, member may not be enrolled in both accounts.) Contact an Advantage Plus FCU service representative for additional information, details, restrictions, processing limitations, and enrollment instructions. Federally insured by NCUA.