Cashtastic Checking

Earn high dividends and refunds on ATM withdrawal fees.*

You read that right — this is free checking that pays you in ways that matter! Earn up to 3.51% APY* on your balance up to $10,000. You’ll also get refunds on withdrawal fees from any ATM you use in the United States — whether you’re here in Wichita Falls or anywhere else. All these rewards are yours just for doing banking basics that you probably already do! Open your account online today.

Benefits include:

  • 3.51% APY* on balances up to $10,000
  • 3.51% to 0.25% 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 $10 monthly)*
  • No minimum balance to earn rewards
  • No monthly service fee
  • FREE Online Banking and Online Bill Pay
  • FREE Mobile Banking
  • FREE E-Statements
  • FREE E-Alerts
  • FREE Telephone Banking (Access 24)
  • $100 minimum deposit to open

Here’s how easy is to earn rewards:

To earn your rewards, just do the following transactions and activities in your Cashtastic Checking account during each Monthly Qualification Cycle:

  • Have at least 1 direct deposit, bill pay, or ACH payment transaction post and settle
  • Have at least 10 signature-based or PIN-based debit card purchases, each greater than $10, post and settle
  • Be enrolled in and agree to receive E-Statements

And if you don’t qualify, don’t worry:

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

*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, signature-based and PIN-based debit card purchases less than $10.00, debit card purchases processed by merchants and received by our credit union as ATM transactions, PIN-based transactions, non-retail payment transactions, and purchases made with debit 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” means a calendar month, beginning first day of the month through end of business (6:00 pm CST) on the last day of the month. Reward Information: When your Cashtastic Checking account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $10,000 receive APY of 3.51%; and balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000, and (2) you will receive reimbursements up to an aggregate total of $10 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Cashtastic Checking qualifications are not met, all balances in the account earn 0.05% APY and ATM withdrawal fees are not refunded. Dividends and ATM withdrawal fee reimbursements will be credited to your Cashtastic Checking account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 09/06/2016. 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. $100 minimum deposit is required to open the account. 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 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA.