For exceptional value and your choice of rewards, choose a Kasasa checking account! Every NorthCountry Kasasa checking account comes with these free features:
- Mobile banking
- Snap-eDeposit (mobile deposit)
- Online banking
- Bill pay
- Debit card
- Unlimited check writing
- Teller transactions at over 4,000 partner credit union locations
Free Kasasa Checking Accounts
Just how good are the rates? Click Here to find out!
Your Kasasa checking acccount is always free with no minimum balance, and you can earn rewards and nationwide ATM fee refunds every month. Qualifying for rewards is easy! Help us be more efficient in these three ways, and we'll thank you by depositing the savings back into your account:
- Perform at least 15 transactions with your NorthCountry debit and/or credit card
- Choose e-statements instead of paper statements
- Log into online banking or mobile banking at least once per month
We place no restrictions on how many times you visit our branches or how many checks you write. Just meet the three easy qualifications for your reward. If you don't meet the qualifications in any given month, your Kasasa account is still free, and you can try again the following month.
Please see our Kasasa Brochure for qualification details on each Kasasa product we offer.
Debit and/or credit card purchases must post and settle to the account during the monthly qualification cycle—this may take one or more business days from the date the transaction occurred. ATM-processed transactions do not qualify. The “Monthly Qualification Cycle” begins on the last day of each month.
ATM Fee Refunds
Domestic ATM fees under $5 each incurred during the monthly qualification cycle will be automatically reimbursed and credited on or about the last day of the monthly statement cycle. Receipts must be presented for reimbursement of single ATM fees of $5.00 or more. The maximum reimbursement is $20 per monthly qualification cycle.
To have any Kasasa account, a NorthCountry Share Account is also required, which has a minimum balance of $5.
Dividends will be credited on or about the last day of the monthly statement cycle. APY=Annual Percentage Yield. APYs were current as of 4/01/2020 and are subject to change. If you choose the Kasasa Saver option, your Kasasa Cash rewards (dividends and ATM refunds) will be transferred to your Kasasa Saver account on or about the first day of the next monthly statement cycle.
This APY was accurate as of 4/01/2020 and is subject to change. Limit of one Kasasa Cash account per SSN.
Kasasa Cash Back
If qualifications are met during a monthly qualification cycle:
1. You will earn 2% cash back (up to $6 total) on debit and/or credit card purchases that post and settle to your Kasasa Cash Back account during the monthly qualification cycle. 2. One Kasasa Cash Back account per SSN.
We will refund up to $30 of iTunes® and/or Amazon.com® purchases that post and settle to your account within 30 days of opening your account. Going forward, if qualifications are met during a monthly qualification cycle:
1. You will receive up to $5 in iTunes® and/or Amazon.com® refunds per cycle. To qualify, transactions must be made with a NorthCountry FCU debit and/or credit card for your Tunes account. Refunds will be credited to your account on or about the last day of the monthly statement cycle. iTunes is a registered trademark of Apple Inc. and Amazon.com is a registered trademark of Amazon Inc. Apple Inc. and Amazon Inc. are not participants in or sponsors of this program. 2. One Kasasa Tunes account per SSN.
Money Market Accounts
If you want a low-transaction account with a high dividend, a money market account may be right for you.
- $2,000 minimum balance
- Unlimited teller transactions
- Up to six transfers and withdrawals per month
For additional information, please refer to the Truth-in-Savings Disclosure.
ShareDraft (Checking) Line of Credit
To avoid overdraft fees, ask about a checking line of credit. When your transaction request exceeds the funds available in your account, a loan will be generated in increments of $100 (up to your limit) to cover the amount of your purchase or withdrawal.
Do you currently have a NorthCountry checking account?
Great! Within online banking and under the ‘Additional Services’ tab, select ‘Apply for a Loan’. This will open the loan application where you can apply for a Share Draft (Checking) Line of Credit under the Personal Loans section.
Open an account today online* or by stopping into one of our branches where we’d be happy to assist you. Once your account is open and your online banking account is established, you can log into online banking and choose to add an account for your checking line of credit (upon approval).
If you previously ordered checks through the credit union, you can place any subsequent orders quickly and conveniently within online banking. You can also re-order checks by contacting us directly or visiting any branch.
Did you know you can set account alerts and notifications through online banking? Alerts can be sent to your preferred email address, mobile phone, or both, notifying you of a low balance, large deposit, or checks cleared. Other types of notifications can be added too, such as loan payment due date reminders, and maturity date reminders. To get started, log into online banking and select ‘Notifications’ in the upper right-hand corner.
Watching your accounts and arming yourself with a healthy dose of skepticism are two ways to keep your money safe. If you ever have questions or concerns about a transaction, call us at (800) 660-3258. You can also visit our Security Page for more tips on keeping your accounts secure.
Did you know you can turn your debit card on and off as needed? Use the free MobiMoney app for card controls at your fingertips! Please see our Debit Card Page for more information.