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Merrimack Valley CUMerrimack Valley CU
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Checking Accounts

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Checking accounts that pay you back!  Choose the FREE account that fits your spending and saving habits.  

Kasasa Cash Back  Kasasa Cash

Rewards:

  • Get 3.00% cash back on everyday debit card purchases*. 
  • Earn up to $9.00 Cash back per month, $108 per year.

Rewards: 

  • Get 2.00% APY* on balances up to $10,000 if qualifications are met.  Balances more than $10,000 receive 0.20% APY
  •  0.02% APY* on all balances, even if qualifications are not met.

Features:

  • Earn cash back on debit card purchases*
  • Refunds on ATM withdrawal fees, nationwide* 
  • No monthly maintenance fees, ever
  • No minimum balance to earn your rewards

Features:

  • Earn a really high rate, paid monthly
  • Refunds on ATM withdrawal fees, nationwide*
  • No monthly maintenance fees, ever
  • No minimum balance to earn your rewards

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 1 direct deposit, ACH payment, or bill pay transaction(s)
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements

We understand life gets busy.  If you don't meet the qualifications one month, your account is still free and you can try again the following month.

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TIP: If you are an MVCU member with Online/Mobile Banking access, you can easily open an account using the "Apply Online" tool in the "More" section of Online Banking.

Kasasa Saver

Grow your savings effortlessly with Kasasa Saver.  Earn automatic rewards transfers from your Kasasa checking account.  

Rewards: 

  • Get 1.00% APY* on balances up to $25,000. 
  • Get 0.20% APY* on balances over $25,000.  

Your Kasasa Saver Account must be linked to either a Kasasa Cash Back or Kasasa Cash checking account.  When the requirements are not met, the Kasasa Saver will earn 0.02% APY.

Don't forget to add Kasasa Saver to your Kasasa Checking account!


Basic Checking

Still haven't found what you're looking for?  Basic Checking is for you!

Features: 

  • Free standard checks
  • Round up your savings: Round up your debit card transactions to the nearest dollar and the extra change will be deposited into your savings account!  Learn more & enroll today!

Requirements:

  • Minimum $25.00 deposit to open

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All members with checking accounts are eligible for:

  • Free Visa Debit Card
  • Free Online or Mobile Banking
  • Free Bill Payment
  • Free ATMs at 40,000 FREE ATM locations nationwide via the SUM and CO-OP Networks.®
  • Free deposits through the NYCE Share Deposit Network
  • Overdraft protection is available on designated savings accounts
  • Direct Deposit and ACH transfers
  • Free monthly statements via mail or email
  • Added account protection with Courtesy Pay

*Disclosures:

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.

Click here for specific Monthly Qualification Cycle dates.

Reward Information:

When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $10,000.00 in your Kasasa Cash account earn a dividend rate of 2.00% resulting in an APY of 2.00%; and average daily balances over $10,000.00 earn a dividend rate of 0.20% on the portion of the average daily balance over $10,000, resulting in a range from 2.00% to 0.41% APY depending on the account's average daily balance.

When Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, you will receive 3.00% cash back on up to a total of $300.00 debit card purchases that post and settle to the account during that cycle period.  A maximum of $9.00 cash back payments may be earned per Monthly Qualification Cycle.  

You will receive reimbursements up to $25.00 in ATM fees assessed at nationwide ATMs we do not own or operate within your Kasasa Cash account during the Monthly Qualification Cycle in which you qualified. NOTE: ATM fee reimbursements only apply to Kasasa Cash or Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.

Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and:

Kasasa Cash: the entire average daily balance in the Kasasa Cash account earns 0.02% APY.

Dividends will be credited to your Kasasa Cash account on the last day of the current statement cycle.

The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the month for all Kasasa accounts.

If Kasasa Cash or Kasasa Cash Back are linked to Kasasa Saver, the following also apply:

Kasasa Cash: When linked to a Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, 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 balance is less than the transferred amount when the transfer occurs.

Kasasa Cash Back: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the month.

APY = Annual Percentage Yield.

APYs accurate as of 10/29/2021

Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change 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.  Must be a CU member or open an account.

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

$25.00 minimum deposit is required to open the account. 

Monthly Direct Deposit/ACH credit, enrollment in online banking, eStatement enrollment are condition(s) of Kasasa Saver's linked Kasasa Cash or Kasasa Cash Back account(s).

There are no minimum balance fees.  There are no recurring monthly maintenance charges or fees to open or close this account.  Other fees still apply, and fees may reduce the earnings on the account. 

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.

Trademarks:

Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

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