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Earn really high interest, plus refunds on ATM withdrawal fees*. And never pay a cent in monthly maintenance fees.

Key Features

High Interest

Refunds on ATM Withdrawal Fees

No Monthly Maintenance Fees

Do you currently have an account with United Community Bank of West Kentucky?

  • 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*
  • 0.03% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free digital banking
  • Free Visa® debit card
  • Nationwide surcharge-free ATMs through the AlphaLink Alliance ATM network
  • $50 minimum deposit to open

It’s easy to earn your rewards

It's so easy to qualify, you're probably already doing it. 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 agree to receive e-statements
  • Be enrolled in and log into online banking

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month.

Do you currently have an account with United Community Bank of West Kentucky?

*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 bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. 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 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) daily balances up to $10,000.00 receive APY of 2.00%; and daily balances over $10,000.00 earn 0.25% interest rate on the portion of balance over $10,000.00, 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 an aggregate total of $20.00 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 Kasasa Cash qualifications are not met, all daily balances in the account earn 0.03% APY and ATM withdrawal fees are not refunded. Interest and ATM withdrawal 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 as of 03/13/2018. APY calculations are based on an assumed balance of $110,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Balance computation methodology varies by account’s qualifying status. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. 

Additional Information:

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50.00 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 maintenance charges or fees to open or close this account. Contact one of our customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.