Meet the cash back card that’s not about spending all your cash. With Kasasa Cash Back Checking, get rewards without the interest payments or service charges. Maybe the cash back card you’re looking for is actually a debit card.
Earn 2.50% cash back when you use your debit card*
A special free checking account that puts money back in your pocket. Earn cash back on debit card purchases plus refunds on ATM withdrawal fees everywhere you go, nation-wide!* So, the next time you’re picking up lunch? Earn cash back. Filling up at the pump? Catching up with friends? Earn cash back. Kasasa Cash Back Checking makes your daily spending a lot more fun and rewarding, and Digital Banking makes it easy to be in control of your money, instead of wondering where it went. And unlike other cash back cards, you only pay for what you spend—no interest payments or service fees.
Enjoy free checking that puts money back in your pocket
- FREE checking with no monthly service fees, ever
- 2.50% cash back on up to $400 in debit card purchases every month*
- Refunds on ATM fees nationwide (up to $20/month), including access to over 30,000 surcharge-free ATMs within the CO-OP Network
- Digital Banking access to help manage your money anytime, anywhere
- Free Mastercard® Debit Card
- Mobile Wallet enabled for contactless payments
Additional add-on features
- Courtesy Pay—With Courtesy Pay, HawaiiUSA will cover checks, electronic payments, and transfers that won’t clear due to insufficient funds. Fees may apply.
- Overdraft Protection—Life happens. Opt-in to our Overdraft Protection and we’ll automatically transfer money from your HawaiiUSA Savings Account so you can avoid an overdraft fee.
Open an Account
Easy qualifications to earn rewards
Meet three simple requirements each month to earn cash back on your debit card purchases and get refunds on ATM fees.*
- 15 Debit Card Purchases
- Receive one or more direct deposits, conduct one or more ACH debits/credits, or make one or more payments using HawaiiUSA Online Bill Pay payments through this Kasasa Cash Back Account
- Enrolled in eStatements
Kasasa Cash Back Checking Qualification Cycle 2021
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*A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $20.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. We will reimburse ATM surcharges in excess of $4.99 per transaction upon presentment of the receipt displaying the ATM surcharge within sixty (60) days of the ATM transaction, and as long as it does not exceed the $20.00 maximum limit. Qualification 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 our credit union as ATM transactions, non-retail payment transactions and purchases made with debit or credit 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" is a period beginning one (1) business day prior to the start of the current statement cycle (first calendar day of each month) through one (1) business day prior to the close of the current statement cycle (last calendar day of each month). See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates. Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 2.50% cash back on up to a total of $400.00 on PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. At the discretion of the Credit Union, if your Kasasa Cash Back Account does not meet the qualifications for three (3) consecutive months, the account will be converted to a regular Share Draft Account after the last calendar day of the third month if the qualifications for the third month are not met. Once your Kasasa Cash Back account is converted, it is subject to the terms and conditions in effect for the regular Share Draft Account. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you, as determined by the Credit Union Board of Directors. No minimum balance is required to earn or receive the account's rewards. Rewards less than one (1) cent cannot be distributed. Additional Information: Membership restrictions apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. A $20.00 minimum deposit is required to open the account. Receive one or more direct deposits, conduct one or more ACH debits/credits, or make one or more payments using HawaiiUSA Online Bill Pay payments through this Kasasa Cash Back Account Enrollment in electronic services (e.g. online banking, e-statements) are required to meet some of the account's qualifications. Limit of one (1) Kasasa Cash Back account or any other dividend or reward checking account per member account. Accounts closed within the first ninety (90) days will be assessed a $25.00 Early Closure Fee. A fee will be assessed for overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Please refer to the current “Schedule of Fees and Charges” for additional account fees. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Visit our website or contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. National Credit Union Share Insurance Fund. Member accounts in HawaiiUSA FCU are federally insured by the National Credit Union Share Insurance Fund. Trademarks: Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.