Enjoy truly free checking that pays you just to bank with us — earn cash rewards for doing banking basics, like using your debit card.

Key Features

  • Truly Free
  • High Interest
  • Refunds on ATM Withdrawal Fees*
  • No Monthly Maintenance Fee

Do you currently have an account with WinSouth Credit Union?


  • Free checking that pays high interest
  • 2.00% APY* on balances up to $10,000
  • 2.00% to 0.41% APY on balances over $10,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free digital banking services^
  • Free EMV debit card
  • $100 minimum deposit to open

Please note that receiving e-statements is a condition of having this account.

Earning your rewards is easy! Just do a few simple things.

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and log into online banking

And if you don’t meet these qualifications, don’t worry — your account is still free.

Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.


^First three months of online bill pay are free; $5 monthly service charge thereafter.

Do you currently have an account with WinSouth Credit Union?

*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 credit union as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our credit union. “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 your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $10,000 receive APY of 2.00%; and balancesover $10,000 earn 0.25% on the portion of balance over $10,000, resulting in a range from 2.00%to 0.41% APY depending on the account’s balance and (2) you will receive reimbursements up to $25 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified.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 Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate asof 04/09/2018. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $100 minimum deposit is required to open the account. Enrollment in online banking and receipt of e-statements are conditions of this account. Enrollment in electronic services (e.g. online banking, electronic statements, etc.) and log-ons may be required to meet some of the account’s qualifications. Limit 1 Kasasa Cash Checking per account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.

Member of American Share Insurance. This institution is not federally insured. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.