Checking Accounts
Checking Account Information
4U CU offers a variety of checking accounts to choose from. They're convenient, practical and hassle-free. Finding the answers to your questions leads you to real people – not an automated response system. We offer friendly, personal service – it's the 4U difference!
All of our Checking Accounts allow members access to their funds via paper and electronic devices, such as paper checks, ACH, ATMs, Debit Cards and through the Internet or Telephone.
Kasasa Cash (Earn High Dividends)
- FREE
- Earn Dividends up to $10,000
- ATM withdrawal fee refunds (up to $25)
Qualifiers to earn rewards
- Minimum 15 debit card purchases with minimum purchase amount of $5
- At least 1 Direct Deposit
- Enrolled in and agree to receive E-Statements
Don’t worry if you don’t qualify your account is still FREE and you can qualify again next month.
- $25 minimum deposit required to open
- No monthly service charge
- No minimum balance
- Free unlimited check writing
- Free initial debit card card mailed to you
- Overdraft protection is available
- Free online banking and bill pay
- Free access to Teller Hotline
- Monthly Statements
*Must pass required Chexsystems processing to qualify for account
Kasasa Cash Back (Earn Cash Back)
- FREE
- 3% Cash Back on debit card purchases up to $250 in total purchases
- Up to $7.50 total cash back per monthly qualification cycle
- ATM withdrawal fee refunds (up to $25)
Qualifiers to earn rewards
- Minimum 15 debit card purchases with minimum purchase amount of $5
- At least 1 Direct Deposit
- Enrolled in and agree to receive E-Statements
Don’t worry if you don’t qualify your account is still FREE and you can qualify again next month.
- $25 minimum deposit required to open
- No monthly service charge
- No minimum balance
- Free unlimited check writing
- Free initial debit card card mailed to you
- Overdraft protection is available
- Free online banking and bill pay
- Free access to Teller Hotline
- Monthly Statements
*Must pass required Chexsystems processing to qualify for account
Kasasa Tunes (Earn Online Purchase Reimbursements)
- FREE
- Reimbursements for online purchases from iTunes, Amazon.com or Google Play (up to an aggregate total of $10)
- ATM withdrawal fee refunds (up to $25)
Qualifiers to earn rewards
- Minimum 15 debit card purchases with minimum purchase amount of $5
- At least 1 Direct Deposit
- Enrolled in and agree to receive E-Statements
Don’t worry if you don’t qualify your account is still FREE and you can qualify again next month.
- PLUS, ENJOY A SIGN-UP BONUS! GET $20.00 IN FREE PURCHASES FROM iTUNES, AMAZON.COM OR GOOGLE PLAY JUST FOR SIGNING UP!
- $25 minimum deposit required to open
- No monthly service charge
- No minimum balance
- Free unlimited check writing
- Free initial debit card card mailed to you
- Overdraft protection is available
- Free online banking and bill pay
- Free access to Teller Hotline
- Monthly Statements
*Must pass required Chexsystems processing to qualify for account
*Bonus Information: As a bonus to individuals who open and fund a new Kasasa Tunes account, our credit union will refund up to an aggregate total of $20.00 ( which includes any applicable taxes) for any iTunes, Amazon.com or Google Play purchases made with your Kasasa Tunes debit card that post and settle to the account within the first sixty (60) calendar days after you account is opened. This refund will be credited to your account on the first processing day of the following statement cycle in which your aggregate iTunes, Amazon.com, Google Play purchase threshold of $20.00 posts and settles to your account.
4Teens Checking
- Ages 15-18
- $25 minimum deposit required to open
- Free monthly service charge
- Free initial debit card or ATM card mailed to you
- Free online banking and bill pay
- Free E-Statements
- Free access to Teller Hotline
- Parent or Legal Guardian must be a signer on account
*Must pass required Chexsystems processing to qualify for account
Free Checking
- $25 minimum deposit required to open
- No monthly service charge
- No minimum balance
- Free unlimited check writing
- Free initial debit card or ATM card mailed to you
- Overdraft protection is available
- Free online banking and bill pay
- Free E-Statements
- Free access to Teller Hotline
- Mobile Deposit Capture
- Monthly Statements
*Must pass required Chexsystems processing to qualify for account
Enhanced Checking
- $25 minimum deposit required to open
- $100 minimum daily balance to obtain disclosed annual percentage yield, dividends are compounded and paid monthly
- $300 minimum balance to avoid monthly service charge of $8
- Unlimited check writing
- Free initial debit card or ATM card mailed to you
- Overdraft protection is available
- Free online banking and bill pay
- Free E-Statements
- Free access to Teller Hotline
- Mobile Deposit Capture
- Monthly statements
*Must pass required Chexsystems processing to qualify for account
Silver Checking
- Must be 65 years of age or older
- $25 minimum deposit required to open
- No monthly service charge
- Free checks (1 box per calendar year)
- Unlimited check writing
- Free initial debit card or ATM card mailed to you
- Overdraft protection is available
- Free online banking and bill pay
- Free E-Statements
- Free access to Teller Hotline
- Mobile Deposit Capture
- Monthly statements
*Must pass required Chexsystems processing to qualify for account
Fresh Start Checking (If you do not qualify for the above checking accounts we have an account to help you get a Fresh Start)
- $25 minimum deposit required to open
- $10 per month service charge / $7.50 with direct deposit
- No minimum balance
- Unlimited check writing
- Free initial ATM card mailed to you (not eligible for debit card)
- Free E-Statements
- Monthly Statements
- Not eligible for overdraft protection
- Eligible to switch to Free Checking after 12 months, if the account is maintained properly
Business Checking
- $50 minimum deposit required to open
- $100 minimum daily balance to obtain disclosed annual percentage yield
- $10 per month service charge
- No minimum balance
- Unlimited check writing
- Free initial debit card or ATM card mailed to you
- Overdraft protection is available
- Free online banking and bill pay
- Free E-Statements
- Free access to Teller Hotline
- Monthly statements
Money Market Account
Earn a higher dividend and have access to your money whenever you need it.
- $2000 deposit required to open
- Dividends compounded and paid monthly
- Monthly Statements
- Insured Funds
- 6 free withdrawals per month
- *Must pass required Chexsystems processing to qualify for account
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