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Checking Account Qualifications

Kasasa Cash®

*APY = Annual Percentage Yield.   APY accurate as of 1/1/2018. Rates and rewards are variable and may change after account is opened.  Monthly receipt of electronic statements, log into online banking, and twelve (12) debit card transactions are conditions of this account.  Fees may reduce earnings.  For Kasasa Cash® account, if qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $20,000  receive APY of 2.00%; and balances over $20,000 earn 0.50% dividend rate on the portion of balance over $20,000, resulting in a range from 2.00% to 0.32% APY depending on the account’s balance and (2) you will receive reimbursements up to $20 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified.  Dividends and ATM fee reimbursements will be credited to your Kasasa Cash® account on the last day of statement cycle.  When Kasasa Cash® qualifications are not met, all balances in the account earn 0.05% APY and ATM fees are not refunded.  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.  ATM-processed transactions do not count toward qualifying debit card transactions.  Transfers between accounts do not count as qualifying transactions.  “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.  The advertised Kasasa Cash® APY is based on compounding dividends. If member has a Kasasa Saver® account dividends earned in Kasasa Cash® are automatically transferred to Kasasa Saver® each statement cycle and do not compound. Actual dividend amount paid may be less than advertised Kasasa Cash® APY. The Kasasa Saver® APY may be less than Kasasa Cash® APY.  Limit one Kasasa® checking per social security number. Federally insured by NCUA.

 

Kasasa Cash Back®

*APY = Annual Percentage Yield. APY accurate as of 1/1/2018. Rates and rewards are variable and may change after account is opened. Monthly receipt of electronic statements, log into online banking, and twelve (12) debit card transactions are conditions of this account. When Kasasa Cash Back® qualifications are met during a Monthly Qualification Cycle, you will receive 1.00% cash back on up to a total of $400.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $4.00 cash back may be earned per Monthly Qualification Cycle.   You will also receive reimbursements up to $20.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified.   Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back® account on the last day of statement cycle.  When Kasasa Cash Back® qualifications are not met no cash back payments are made and ATM fees are not refunded.  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.  ATM-processed transactions do not count toward qualifying debit card transactions.  Transfers between accounts do not count as qualifying transactions.  “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.   If member has a Kasasa Saver® account, cash back payments earned in Kasasa Cash Back® are automatically transferred to Kasasa Saver® each statement cycle. Limit one Kasasa® checking per social security number. Rates and rewards are variable and at our discretion may change after account is opened without notice to you. Federally insured by NCUA.

 

Cinfed Basic Checking Accounts

*4 network fees covered per month

Schedule of Fees



CONTACT CINFED

Cinfed Credit Union
4801 Kennedy Avenue
Cincinnati, OH 45209
(513) 333-3800
Routing #242076656

MEMBER REVIEWS

My husband and I have been members of Cinfed for over 25 years. When he retired, we had limited involvement with Cinfed since it was very close to our workplace, but not our home. Recently we... 
— Cheryl, member since 1981
I have been a member of Cinfed Credit Union since 1986 when I started working for IRS. I recently spent a week in the hospital and four weeks in a skilled nursing facility going through rehab. The... 
— Suzanne, member since 1986
Cinfed is special for me. I moved to several states and Cinfed is the only account I kept with me wherever I go. Through the shared branching, I get all the service I need. Whenever I call, I am... 
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Cinfed rocks! I hope you guys understand that what you are offering are not just loans and accounts but things that mean much more than that, things that keep hope alive, that help people like me... 
— Pankaj, member since 2014
I joined Cinfed after my first season working for IRS in the early 1980's. Now over thirty years later, I am still impressed with them. Every customer service representation that I have been in... 
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I've been banking with Cinfed for almost one year now and it has been a wonderful experience. They get back to you very promptly and can help you for all of your banking needs, quite efficiently. I... 
— Brandon, member since 2014
I have been a member for over 25 years. I think good service should be recognized. Julie at the Roselawn branch always gives great service with a smile. She is also a very dedicated employee. ... 
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I have had most of my family to join. I will never change banks, the service is great.
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Love them as a bank and the customer service has always been outstanding...Great job Cinfed.
— Posey, member since 1984
We've only been members for a little over a month and already feel the difference. I don't want to name names, but let's just say Cinfed is WAY better than our previous institution that rhymes with... 
— Jeff, Dawn, & Jordan, members since 2013
I been a member since 1985 and can not imagine banking anywhere else. This credit union as taken care of my every need. 24/7 services is excellent.
— Edward, member since 1985
Just closed on a Home Equity line of credit loan, and the process couldn't have been any easier. With this I was able to pay off 2 high interest credit cards and deposited the rest into a checking... 
— Thomas
Recently I tried to locate the Oakley office using google maps. The google directions did not get me close to Cinfed. I called the office and Liz remained on the phone until I reached the... 
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As a long time member, I have always received great service from all CinFed employees. I just wanted to say a special thank you to Dee Dee Day and Dawn Strickland. I had to make some changes to... 
— John-Member since 1990
Earlier this year my much younger sister passed away and with that many obligations were to be met by my husband and myself ..My sister was survived by a daughter and son. We have since then taken on... 
— Vonda
How lucky I am to have Liz Frey managing the office I use! I live in Florida but maintain Cinfed as my main banking office. Everytime I need special help a simple email or call to Liz and it is... 
— Debbie G
Emily Snyder took the best care of my two auto loans. She was professional, courteous and very knowledgeable of the available services for me. She went out of her way to make sure I felt like I was... 
— Sarah Amyotte
I have been member with Cinfed since 1986. The Roselawn Cinfed staff greeted the customer phone calls friendly and polite willing to help you with your needs. They have excellent customer service.... 
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