Checking Account Options

A checking account is what you need to have maximum access to your money. The Firefighters and Company Federal Credit Union checking account provides you anytime anywhere access 24/7 with nationwide ATMs and shared branching. Now you can choose a free checking account that rewards you! Choose from higher dividends, cash back or a checking that refunds your iTunes®, Amazon®, or Google Play™ purchases. Pick a checking that makes the most cents for you! Whichever checking you choose, you will know that you have the right account to manage your money.

Do you want to start earning rewards on your checking account? Contact us at 937-228-1614 today!

FFCOCU Checking Accounts Include:

  • Online Banking/Mobile Banking
  • Free Bill Pay
  • Direct Deposit/Payroll Deduction
  • Overdraft Savings Transfer
    (request at account opening)
  • Remote Deposit Capture (subject to approval)
  • E-statements
  • H.A.L. 24/7 Phone Access
  • Overdraft Privilege (subject to approval)

 

Kasasa Cycle Date Information Kasasa Protect 24/7 Credit Monitoring

Free Kasasa Cash Checking

Earn cash rewards that matter — free Kasasa Cash® checking pays 2.50% APY* on your balance up to $25,000 and refunds ATM withdrawal fees, nationwide.* You'll still get 0.01% APY* on your entire balance if your qualifications are not met. Plus, there's never a monthly service fee on your account. Link it to a free Kasasa Saver® to build savings automatically.

Easy qualifications to earn your rewards:

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

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

And even if you don't meet these qualifications, your account is still free.

 

Free Kasasa Cash Back Checking

Get paid to go shopping — free Kasasa Cash Back® checking pays 2.00% cash back on your everyday debit card purchases up to $96 per year ($8 per month).* You'll also get refunds on ATM withdrawal fees, nationwide* — so every ATM is your ATM, whether you're in Dayton or elsewhere. Link your account to a free Kasasa Saver to make saving easy and automatic.

Easy qualifications to earn your rewards:

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

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

And even if you don't meet these qualifications, your account is still free.

 

Free Kasasa Tunes Checking

Enjoy more of what you love — whether that's music, movies, or anything else you can buy online. Free Kasasa Tunes® checking refunds your purchases from iTunes®, Amazon®, or Google Play™ up to $10 every month.* You'll also get $25 in refunds just for opening your account.* To top it all off, enjoy refunds on ATM withdrawal fees, nationwide.*

Easy qualifications to earn your rewards:

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

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

And even if you don't meet these qualifications, your account is still free.

 

Free Kasasa Saver

Simplify saving — link this account to your free Kasasa Cash® or Kasasa Cash Back® checking to make saving effortless. When you earn cash rewards in your Kasasa® checking, those earnings transfer into Kasasa Saver®. Plus, Kasasa Saver pays 0.75% APY* on your balance up to $100,000! You'll still get 0.01% APY* on your entire balance if your qualifications are not met.

Easy qualifications to earn your rewards:

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. To earn your rewards, just do the following transactions and activities in your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

And even if you don't meet these qualifications, your accounts are still free.

 

Do you want to start earning rewards on your checking account? Contact us at 937-228-1614 today!

Keep your information yours, and yours alone —click here to add Kasasa Protect to your account. 24/7 credit monitoring, identity theft restoration services, and more.

 

 

   Rates
Calculators
 

*FFCOCU Disclaimer

Qualification Information: Qualifications vary by account. 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 credit union as ATM 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 period beginning on the first calendar day of the month through the last calendar day of the month.

See our specific Monthly Qualification Cycle dates above or contact one of our credit union service representatives at 937-228-1614 for specific Monthly Qualification Cycle dates.

Reward Information: Rewards vary by account. Reward Information: Depending on what Kasasa account you open, you will receive one of the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle: Dividends on your checking balances (Kasasa Cash), Cash back on debit card purchases (Kasasa Cash Back) and Reimbursements for iTunes, Amazon.com & Google Play purchases (Kasasa Tunes). In addition, you will receive reimbursements up to $25.00 (max $4.99 per single transaction) for nationwide domestic ATM withdrawal fees imposed by other financial institutions incurred during the Monthly Qualification Cycle in which you qualified.

When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Kasasa Cash account earn a dividend rate of 2.50% resulting in an APY of 2.50% and daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the daily balance over $25,000 resulting in a range from 2.50% to .70% APY depending on the account's daily balance.

You will receive reimbursements up to an aggregate total of $25.00, (max $4.99 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred within your Kasasa Cash account during that Monthly Qualification Cycle in which you qualified.

When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.01% resulting in an annual percentage yield of 0.01% and ATM withdrawal fees are not refunded.

Dividends will be credited to your Kasasa Cash account on the second business day following the current statement cycle.

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the second business day following the current statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of 01/01/2020

Depending on your Kasasa account, when your qualifications are not met, only non-qualifying dividends are earned, other reward distributions are not made and ATM fees are not refunded.

APY calculations are based on an assumed balance of $125,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days.

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.

When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 2.0% cash back on up to a total of $400.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. When Kasasa Tunes qualifications are met during a Monthly Qualification Cycle: you will earn up to an aggregate total of $10.00 (which includes purchases that are charged taxes or any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your Kasasa Tunes FFCOCU debit card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified ends. When Kasasa Tunes qualifications are not met, iTunes, Amazon.com, Google Play purchases and ATM fees are not refunded *Sign Up Bonus: When you open and fund your Kasasa Tunes account, you will be refunded up to an aggregate total of $25.00 (which includes purchases that are charged taxes or any applicable taxes) for iTunes, Amazon.com, Google Play purchases, made with your Firefighters & Comany FCU Kasasa Tunes debit card that post and settle to your account during the first 60 calendar days after your account is opened. This refund will be credited to your account on the second business day of the month following the current statement cycle in which your aggregate iTunes, Amazon.com, Google Play purchase threshold of $25.00 posts and settles to your account. Any portion of the Sign Up Bonus that is not used within the stated time period will be forfeited. No minimum deposit is required to open the account. No minimum balance is required to obtain this bonus.

Reward Information for Kasasa Saver:

When your linked Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $100,000 in your Kasasa Saver account earn an APY of 0.75% and daily balances over $100,000 earn a dividend rate of 0.25 % on the portion of the daily balance over $100,000 resulting in a range from 0.75% to 0.50% APY depending on the account's daily balance.

When your linked Kasasa Cash account qualifications are not met, the entire daily balance in the Kasasa Saver account earns a dividend rate of 0.01% resulting in an annual percentage yield of 0.01% APY.

Dividends will be credited to your Kasasa Saver account on the second business day following the current statement cycle.

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the second business day following the current statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of 01/01/2020

APY calculations are based on an assumed balance of $200,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.

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.

 When Kasasa Cash or Kasasa Cash Back qualifications are not met, Kasasa Saver: All balances earn 0.01% APY. Kasasa Cash: All balances earn a non-compounding APY* of 0.01%. Kasasa Cash Back: No cash back payments are made. *When linked to the Kasasa Saver account, the dividends earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. APY = Annual Percentage Yield. APYs accurate as of 01/01/2020. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information:

Membership restrictions may apply.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

No minimum deposit is required to open the account.

Enrollment in online banking and logging into online banking once a calendar month and twelve (12) FFCOCU debit card Point-of Sale purchases that post and settle to the account during each monthly qualification period are requirements for these accounts.

Enrollment in and receipt of electronic statements are also conditions of these accounts.

Limit of one account per social security number.

There are no recurring monthly service charges or fees to open or close this account.

This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.

A Kasasa Cash account is required to have a Kasasa Saver account.

A linked Kasasa Saver account is required for automatic savings.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Federally insured by NCUA. iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com Inc. Google Play is a registered trademark of Google Inc. Apple Inc., Amazon.com and Google are not participants in or sponsors of this program. Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Tunes, and Kasasa Saver are trademarks of Kasasa Ltd., registered in the U.S.A.