In this free checking account, your money is a certified over achiever. It works hard for you even when it’s just sitting there.

  • No minimum balance requirement and no monthly service fee
  • Pays 1.00% APY1 on balances up to $25,0002
  • Pays 0.25% APY on balances in excess of $25,0003
  • Up to $25 ATM fee refund5 per monthly qualification cycle
  • Plus, all of the good stuff you’d expect for free, like eBanking, remote deposit and bill pay

Earning your Kasasa rewards each monthly qualification cycle is as easy as doing these three things:

  1. Enroll in eStatements 
  2. Make 8 debit card transactionsAsk for Kasasa
  3. Receive at least one direct deposit and/or ACH credit

 

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But don’t worry if you cannot meet your qualifications during the cycle, Kasasa Cash® is still free. The best part is, you have another chance to earn your rewards the very next month!

KASASA CASH®1 KASASA CASH BACK®1 BASIC CHECKING
Best for member wanting higher interest paid on balances cash rewards for card usage simple account that pays interest
Monthly Service Charge $0 $0 $0
Minimum Daily Balance $0 $0 $0
Interest Rate 1.00% APY2 (on balances up to $25,0003) No 0.05% APY
Cash Back $0 1.00% of debit card purchase amount (earn up to $8 per month4) $0
ATM Withdrawal Fee No fee from Ardent with Visa® debit card No fee from Ardent with Visa® debit card No fee from Ardent with Visa® debit card
ATM Fee5 Refund up to $25 each cycle up to $25 each cycle $0
Checks Free initial order6 Free initial order6 Free initial order6
Debit Card FREE with:
  • Access to nationwide-network surcharge-free ATMs
  • Rewards on signature purchases
  • SecurLOCK app to enable:
    • Instant transaction alerts
    • Remote card control
    • Customizable spending thresholds
FREE with:
  • Access to nationwide-network surcharge-free ATMs
  • Rewards on signature purchases
  • SecurLOCK app to enable:
    • Instant transaction alerts
    • Remote card control
    • Customizable spending thresholds
FREE with:
  • Access to nationwide-network surcharge-free ATMs
  • Rewards on signature purchases
  • SecurLOCK app to enable:
    • Instant transaction alerts
    • Remote card control
    • Customizable spending thresholds
Other Features
  • Transact at 5,000+ branches in shared network nationwide
  • Account-switching concierge service
  • eBanking with Bill Pay, Mobile Banking and Remote Deposit
  • Incoming electronic transfers from external accounts
  • 24-months of eStatements
  • Member-to-Member Transfers
  • Transact at 5,000+ branches in shared network nationwide
  • Account-switching concierge service
  • eBanking with Bill Pay, Mobile Banking and Remote Deposit
  • Incoming electronic transfers from external accounts
  • 24-months of eStatements
  • Member-to-Member Transfers
  • Transact at 5,000+ branches in shared network nationwide
  • Account-switching concierge service
  • eBanking with Bill Pay, Mobile Banking and Remote Deposit
  • Incoming electronic transfers from external accounts
  • 24-months of eStatements
  • Member-to-Member Transfers

1APY= Annual Percentage Yield. Requires direct deposit, 8 debit card purchases and eStatements during monthly qualifying cycle to earn higher interest rate or cash back on purchases. 2Non-qualifying accounts earn 0.05% interest on balances. 3Balance in excess of $25,000 earns 0.25%. 4Cash back on first $800 of debit card purchases. Purchases must settle during monthly qualifying cycle. Visit ardentcu.org for details. 5Fee charged by ATM owner. Fees up to $4.99 per single transaction refunded. 6Standard check design.


When monthly qualifications are met, you will receive 1% cash back on the first $800 of debit card purchases that post and settle to your account during the monthly qualification cycle up to a maximum cash back of $8 per monthly qualification cycle.  Domestic ATM fees incurred using Kasasa Cash Back debit card during qualification cycle will be reimbursed up to $25 if qualifications are met within monthly qualification cycle.  Qualifications include 8 debit card purchases and one monthly direct deposit and/or ACH credit during the monthly qualifications cycle.  Enrollment in eStatements is also required.  Qualifying transactions must post and settle to your Kasasa Cash Back account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to your account.  ATM-processed transactions do not count towards qualifying debit card transactions.  Transfers between accounts do not count as qualifying transactions.  "Monthly Qualification Cycle" means a period ending one (1) business day prior to the last business day of each month.  The following “Monthly Qualification Cycle” begins on the day following the end of the prior Cycle.  No more than one Kasasa checking account of each type per member.  Member must maintain their $5 membership share account to be eligible for Kasasa accounts.

 

Add Courtesy Pay to your account

An overdraft occurs when you do not have enough money in your checking account to cover a transaction, but we pay it anyway. Ardent Credit Union (Ardent) can cover your overdrafts in two different ways:

We have standard overdraft practices that come with your account called Ardent Courtesy Pay coverage.

We also offer overdraft protection plans, such as a link to a savings account or line of credit, which may be less expensive than our standard overdraft practices. Contact us to learn more about these options.

Ardent Courtesy Pay adds a safety net to your personal checking account. If you don’t have enough money in your account to cover a transaction, we may cover the transaction and overdrawn balance up to an approved limit. Ardent Courtesy Pay eliminates the embarrassment and expense of returned checks, and also protects your credit rating.

If you overdraw your account by checks, ACH electronic payments or Point-of-Sale Debit Card transactions, Ardent Courtesy Pay may cover your transaction, even though you do not have enough money in your account. If you use Ardent Courtesy Pay, your account will be negative and you will be charged a $33.00 Ardent Courtesy Pay fee. However, you will not incur any merchant fees. We will cap the total amount of overdraft fees charged to 6 per day.

If you have established overdraft protection to cover a negative balance through an automatic transfer from a savings account or a personal line of credit, the credit union will access funds from these sources before using Ardent Courtesy Pay

We will mail you a letter to notify you immediately any time your account is overdrawn. You should make every attempt to bring your account to a positive balance within 24 hours. If you are not able to do so, you will receive a letter from us informing you of the situation and your options. If, after a period of time your account has not been brought to a positive balance, we will have no option but to close your account and take other steps to recover the funds. If you have special circumstances or concerns, please call us. We want to serve you.

You should make every attempt to bring your account to a positive balance within 24 hours. If you are not able to do so, you will receive a letter from us informing you of the situation and your options. If, after a period of time your account has not been brought to a positive balance, we will have no option but to close your account and take other steps to recover the funds. If you have special circumstances or concerns, please call us. We want to serve you. You should make every attempt to bring your account to a positive balance within 24 hours. If you are not able to do so, you will receive a letter from us informing you of the situation and your options. If, after a period of time your account has not been brought to a positive balance, we will have no option but to close your account and take other steps to recover the funds. If you have special circumstances or concerns, please call us. We want to serve you.

As a service to members in good standing and to help you avoid the fees that may be charged by third parties for "bad" checks, we may, at our sole discretion, approve your reasonable overdrafts up to a dollar amount (inclusive of fees). A fee will be charged for every non-sufficient fund (NSF) item regardless of whether we pay it or return it.

You should know that we are not obligated to cover any item presented for payment if your account does not contain sufficient collected and/or available funds. Furthermore, service charges assessed against a check or checks, or any other request for funds made upon your account, does not obligate us to pay said request for funds. Nor does it obligate us to provide prior written notice of our decision to refuse payment.

It is the obligation of the credit union to operate in accordance with all applicable safety and soundness standards. If you issue a check or make a transaction for funds exceeding what is available in your account, you are responsible to the credit union for the amount of any overdraft and applicable fees immediately, without notice or demand from the credit union, in accordance with the terms of your account.

If you have any questions, or would like to discuss more details of the Ardent Courtesy Pay program, please call us today at 1-800-806.9465.