Ensure you qualify for 2.50% cash back on your debit card purchases and get ATM fee reimbursements each month. Here’s how:


The Cash Back 1-2-3




1. Enroll in eStatements



eStatements are a feature of Digital Banking, so your first step is to enroll in Digital Banking. You’ll be able to manage your account online or on your mobile device anytime, anywhere!


Enroll in Digital Banking


Or get the HawaiiUSA FCU Mobile Banking App


Button to download Mobile Banking App on the App Store Button to download Mobile Banking App on Google Play


HawaiiUSA new user registration video.

Watch the New User Registration video


Enroll in eStatements


Enroll in eStatements to access your monthly statements online, 24-7




2. Set up ONE of these: Direct Deposit, ACH, or Bill Pay



Direct Deposit


Get your paycheck or other recurring income electronically deposited to your Kasasa Cash Back account. No checks needed!


Set up Direct Deposit



ACH (Automated Clearing House)


Electronic withdrawals (debit) or deposits (credit) directly to your Kasasa Cash Back account. These can be one-time or recurring, but we recommend recurring to ensure you qualify for Kasasa rewards each month. Example: pay your electric bill automatically from your Kasasa Cash Back checking account


Set up ACH


Bill Pay


Easily pay people or bills using this feature in HawaiiUSA Digital Banking. These can be one-time or recurring, but we recommend recurring to ensure you qualify for Kasasa rewards each month


Set up Bill Pay



3. Make 15 debit card purchases each month



Activate your card and set up a PIN


Call 1 (866) 985-2273 from your primary phone


Make 15 debit card purchases within the qualification cycle

  • Includes point-of-sale (POS) purchases in stores or online
  • Includes Peer to Peer payments, if they are made through your Kasasa Debit Card

Kasasa Cash Back Checking Qualification Cycle 2022


Answers to common questions

How do I know if I'm qualifying for rewards?

When will I get my cash back?

Why weren't my ATM fees reimbursed?


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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.