Cash Rewards Checking

Free checking, awesome rewards

Open an Account Online

We believe in rewarding account holders. All of our accounts are FREE, plus they pay monthly rewards to fit your lifestyle. Youchoose how you get rewarded: high rates, or cash back.

No minimum balance

ATM Withdraw Fee Refunds

No Monthly Fees

More Rewards for You

Why pay monthly fees for a regular old checking account?

  • Truly personal service from people who care right down the street.
  • Free checking. No exceptions. No monthly maintenance fees, ever. EVER.
  • Cash rewards every month. Earn 34x more than average accounts.
  • Your ATM on every corner. Refunds on ATM withdrawal fees,  nationwide.

We didn’t stop at free checking.. we kept going...

How it works

Earning cash rewards and ATM withdrawals fee refunds is super simple.

To Qualify each month, just do really convenient things that you’re probably doing already, like:

  1. Use your debit card. - 12 debit card transactions more than $5.00 per month
  2. Log into online banking
  3. Utilize direct deposit - Have at least 1 ACH credit into your account monthly ($50.00 or higher)
  4. Sign up for e-statements
If you don’t make it one month, just try again, and your free checking account is always free.

5.00% Cash Back on debit card purchases

Cash rewards on everyday debit card purchases

up to $300 per month back!

Connect your Debit Card to Apple Pay and Google Pay Today!

Get paid to bank here. We're talking real cash rewards:

  • No minimum balance
  • $25 Nationwide ATM withdrawal fee Refunds
  • No monthly maintenance fees — so your money stays with you
  • Free online, mobile banking, and e-statements

Do your banking on our mobile app.

  • Mobile Deposit
  • Easy Transfers
  • Check Your Balance
  • Thumb/Facial Recognition Login
  • Apply for a loan
Learn More

Frequently Asked Questions

Is my Kasasa Account Always Free? 

Monthly Rewards and Refunds on ATM withdrawals - how?

What Happens if I don't Meet My Qualifications? 

Why can't I get Accounts like This at a Big Bank? 

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: ACH Credits less than $50.00, ATM-processed transactions, transfers between accounts, debit card purchases less than $5.00, debit card purchases processed by merchants and received by our credit union as ATM transactions, debit card 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 the current statement cycle. 
"Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. 
Reward Information: 
When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 5.00% cash back on up to a total of $15.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $15.00 cash back payments may be earned per Monthly Qualification Cycle. 
You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal 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 your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. 
Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the first processing day of the following statement cycle. 
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. 
Additional Information: 
Membership restrictions may apply. 
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.  
$50.00 minimum deposit is required to open the account. 


As a local institution, we’re serious about giving back to our account holders and the community in which we all live and work. Kasasa accounts are designed to help you get the most out of your money and to keep funds working in the local economy. Instead of lining the pockets of big bank executives, you can count on your money going back to where it belongs — you.Get more out of your community and your account by banking local with Kasasa.
Ask for Kasasa at First Oklahoma Federal Credit Union.

Stay up-to-date

Signup for our newsletter

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.