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Free Kasasa Cash Checking
Your Savings, Superpowered
Harnessing the power of savings has been our lifelong mission, but our abilities don't stop there. We've mastered the art of turning everyday banking into a money-making adventure for you.
Unleash the potential of our Free Kasasa Cash Checking, a true hero that not only rewards you with high dividends of 5.00% APY* but also showers you with earnings for your daily banking deeds.
Feel the might of benefits that stretch far and wide:
✔️ Conquer ATM fees nationwide with refunds up to $25.00 per month.
✔️ Join forces with the free Kasasa Saver®, your sidekick in automatic savings growth.
✔️ No boundaries, no limitations – earn rewards with no minimum balance.
✔️ The villain of monthly maintenance fees has been defeated – enjoy fee-free banking.
Harness the digital realm to your advantage:
✔️ Command your finances with free online banking and bill pay.
✔️ Stay vigilant on the go with free mobile banking.
✔️ Embrace a paperless future with free e-Statements.
✔️ Equip yourself with the Visa® debit card, your ultimate tool, with no minimum deposit required to begin your journey.
Unleash your financial superpower today and let us fuel your prosperity!
Click “READ MORE” for more information and rates!
| Tier | Dividend Rate | APY* |
|---|---|---|
| Less than $15,000 | ||
| $15,000.01+ | ||
| Qualifications not met |
Disclaimer:
**APY=Annual Percentage Yield. APYs accurate as of 05/01/2023. Rates may change after account is opened.
If qualifications are met each monthly qualification cycle:
(1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last business day of monthly statement cycle;
(2) balances up to $15,000 receive APY** of 5.00%; and
(3) balances over $15,000 earn 2.00% interest rate on portion of balance over $15,000,
resulting in 5.00% - 2.00% APY**
depending on the balance. If qualifications are not met, all balances earn 0.05% APY**. Qualifying transactions must post to
and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account.
ATM-processed transactions and transfers between accounts do not count towards qualifying debit card transactions. ATM receipt must be presented for reimbursement of
an individual ATM fee of $5.00 or higher. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day1
of the current statement cycle through one (1) day prior to the last banking day1 of the current statement cycle. "Banking Day1
" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing.
Here’s How You Qualify
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 ONE direct deposit, ACH payment, ACH credit, or bill pay transaction
At least 12 debit card purchases
Primary account holder is enrolled in and agrees to receive e-Statements
Primary account holder is enrolled in and logs into online or mobile 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 dividend rate. And you can get right back to earning your full rewards the very next month!
Free Kasasa Cash Back Checking
Enjoy even more of the land of enchantment with cash-back rewards
Get up to 3.00% on debit card purchases*.
Free checking that pays you back
3.00% cash back on debit card purchases
No category restrictions on purchases
Cash back earned on up to $200.00 in purchases monthly
Earn up to $72 cashback per year, $6.00 per month
Refunds on ATM withdrawal fees nationwide (up to $25.00 monthly)
Link to free Kasasa Saver® to build savings automatically
No minimum balance to earn rewards
No monthly maintenance fees
Includes digital banking services:
Free online banking with bill pay
Free mobile banking
Free e-Statements
Free Visa® debit card
No minimum deposit to open
Click “READ MORE” to see how you qualify!
Here’s How You Qualify
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back® account during each Monthly Qualification Cycle.
At least one direct deposit, ACH payment, ACH credit, or bill pay transaction
At least 12 debit card purchases
Primary account holder is enrolled in and agrees to receive e-Statements
Primary account holder is enrolled in and logs into online or mobile banking
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash Back Account is still free. And you can get right back to earning your cash rewards the very next month!
Free Kasasa Tunes Checking
When you can’t escape to the desert, you can still escape to your music (or games)
We can help with $10 in digital refunds, monthly.
Free checking that pays you to shop online
Earn $10 in refunds for iTunes®, Amazon®, or Google Play™ purchases every month
Get $25 in refunds for iTunes, Amazon, or Google Play purchases when you open your account
Refunds on ATM withdrawal fees nationwide (up to $25.00 monthly)
No minimum balance to earn rewards
No monthly maintenance fees
Includes digital banking services:
Free online banking with bill pay
Free mobile banking
Free e-Statements
Free Visa® debit card
No minimum deposit to open
Click “READ MORE” to see how you qualify!
Here’s How You Qualify
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Tunes® account during each Monthly Qualification Cycle:
At least 12 debit card purchases
Primary account holder is enrolled in and agrees to receive e-Statements
Primary account holder is enrolled in and logs into online or mobile banking
That's all there is to it. Even if you don't meet your qualifications during the cycle, your Kasasa Tunes Account is still free. And you can get right back to earning your rewards the very next month!
ZIA Basic Checking
We’ve learned a few lessons since 1955 - and this account proves it
Help out members when we can, and give our elders what they deserve.
Dividend-bearing account
Tiered rates to boost your balance
Waive the $3.00 monthly maintenance fee with enrollment in e-Statements
No minimum balance to maintain
Unlimited checking
First box of checks free; members age 65+
Free check images (up to 90 days)
Includes digital banking services:
Free online banking with bill pay
Free mobile banking
Free e-Statements
Free Visa® debit card
Take advantage of shared branching and surcharge-free ATMs
| Mininum Balance | APY** |
|---|---|
| $0.00 - $3,999.00 | 0.01% |
| $3,999.01- $9,999.00 | 0.01% |
| $9,999.01 - $19,999.00 | 0.05% |
| $19,999.01 - $39,999.00 | 0.05% |
| $39,999.01 & Greater | 0.10% |
Which One Is Best For Me?
Compare Our Accounts
High Interest
Free Kasasa Cash® Checking¹
Cash Back
Free Kasasa Cash Back® Checking²
Digital Credits
Free Kasasa Tunes® Checking³
| High Interest | Cash Back | Digital Credit |
|---|---|---|
| FREE | FREE | FREE |
| High Balances | Debit Card Transactions | Apps & Music |
|
|
|
| $0.00 | $0.00 | $0.00 |
| Refunds on ATM withdrawal fees nationwide (up to $25.00 monthly1 | Refunds on ATM withdrawal fees nationwide (up to $25.00 monthly)2 | Refunds on ATM withdrawal fees nationwide (up to $25.00 monthly)3 |
| Yes | Yes | Yes |
| Yes | Yes | Yes |
| No minimum deposit to open. All member's primary Share Savings accounts require a $25.00 minimum balance. | No minimum deposit to open. All member's primary Share Savings accounts require a $25.00 minimum balance. | No minimum deposit to open. All member's primary Share Savings accounts require a $25.00 minimum balance. |
1Free Kasasa Cash Checking:
If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25.00 and credited to account on the last business day of monthly statement cycle; (2) balances up to $50,000.00 receive APY of 0.50%; and (3) balances over $50,000.00 earn 0.15% interest rate on portion of balance over $50,000.00, resulting in 0.50% - 0.15% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions and transfers between accounts do not count towards qualifying debit card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day1 of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. "Banking Day" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing.
2Free Kasasa Cash Back Checking:
"When monthly qualifications are met, you receive 3.00% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $6.00 per monthly qualification cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions and transfers between accounts do not count towards qualifying debit card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. "Banking Day" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25.00 if qualifications are met within monthly qualification cycle. -2-
3Free Kasasa Tunes Checking:
"You will be refunded up to $25.00 for iTunes, Google PlayTM, and/or Amazon.com® purchases that post to and settle account during the first 60 days after you open account. Refunds will be credited to account on the last business day of statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $10.00 in refunds of iTunes, GooglePlay, and/or Amazon.com purchases, or a combination thereof, if qualifications are met during previous monthly qualification cycle. Purchases must be made with debit card associated with your Kasasa Tunes account. Qualifying transactions must post to and settle the account during monthly qualification cycle. Transactions may take one or more banking days from date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. "Banking Day" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25.00 if qualifications are met within monthly qualification 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.
Make a Payment
Make a Payment
Make a loan payment using your ZIA Credit Union account
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Make a mortgage payment using your ZIA Credit Union or another institution’s account
Pay a Bill
When you login to your online or mobile banking, you can make one-time or recurring bill payments with ease:
Schedule payments in advance
Set up payment reminders and notifications
Ensure payments are received on time
Have all payee information saved in one convenient place
Avoid paper clutter and long periods of check preparation
More secure than paper billing
Save money on postage, checks, and trips to a branch