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Free Kasasa Cash Checking:

*To earn your account’s rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash – Multi-Level account during each Monthly Qualification Cycle:

Level 1 Qualifications:

o Have at least 1 automatic payment (ACH) or direct deposit post and settle

o Have a minimum of 12 debit card purchases

o Be enrolled in and agree to receive e-statements rather than paper statements

Level 2 Qualifications:

o Have at least 1 automatic payment (ACH) or direct deposit post and settle

o Have a minimum of 30 debit card purchases

o Be enrolled in and agree to receive e-statements rather than paper statements

"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. 

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: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our institution as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our institution. 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. 

Reward Information:

When Kasasa Cash - Multi Level account qualifications are met during a Monthly Qualification Cycle, you will receive: 

· Kasasa Cash – Level 1: average daily balances up to and including $25,000 in your Kasasa Cash – Multi Level account earn a dividend rate of 2.9595% resulting in an APY of 3.00%; and average daily balances over $25,000 earn a dividend rate of 0.2497% on the portion of the average daily balance over $25,000, resulting in a range from 3.00% to 0.80% APY depending on the account's average daily balance.

or

· Kasasa Cash – Level 2: average daily balances up to and including $25,000 in your Kasasa Cash – Multi Level account earn a dividend rate of 4.889% resulting in an APY of 5.00%; and average daily balances over $25,000 earn a dividend rate of 0.2497% on the portion of the average daily balance over $25,000, resulting in a range from 5.00% to 1.20% APY depending on the account's average daily balance.

You will also receive reimbursements up to $2.00 per transaction and up to an aggregate total of $10 for nationwide ATM withdrawal fees incurred within your Kasasa Cash - Multi-Level 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.

When your Kasasa Cash – Multi Level account qualifications are not met during a Monthly Qualification Cycle, ATM withdrawal fees are not refunded and the entire average daily balance in the Kasasa Cash - Multi Level account earns a dividend rate of 0.05% resulting in an annual percentage yield of 0.05% APY.

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

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.

APY = Annual Percentage Yield.

APY accurate as of 5/5/2025.

APY calculations are based on an assumed balance of $125,000 in your Kasasa Cash – Multi Level 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; 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. Fees may reduce earnings. You will automatically qualify for the account's rewards during your account's first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.

Additional Information:

 Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open the Kasasa Cash – Multi Level account. Enrollment in electronic services (e.g., online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Being enrolled in and have agreed to receive e-statements rather than paper statements is required as a condition of opening and maintaining a Kasasa Cash – Multi Level account. In the event that you are no longer enrolled and agree to receive eStatement notices in each statement cycle after 60 days, we reserve the right to convert your account to Choice Checking with proper notice. This account is not to be used for commercial purposes and there is a limit of one (1) account per member. Enrollment in electronic services (e.g. online banking, electronic statements) may be required to meet some of this account’s qualifications.There are no recurring monthly maintenance charges or fees to open or close this account. If the account is closed, you will forfeit any rewards that have not been credited to your account. Contact one of our member service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally Insured by NCUA. Kasasa and Kasasa Cash – Multi Level are trademarks of Kasasa, Ltd., registered in the U.S.A.

Free Kasasa Cash Back Checking:

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: 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 one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.

Reward Information:

When Kasasa Cash Back Reward Checking qualifications are met during a Monthly Qualification Cycle you will receive (1) 2.50% cash back on up to a total of $200.00 in debit card purchases that post and settle to the account during that cycle period. A maximum of $5.00 cash back may be earned per Monthly Qualification Cycle. (2) You will also receive reimbursements up to an aggregate total of $10.00, with a maximum cap of $2.00 per single transaction for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. When Kasasa Cash Back Reward Checking qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on last day of the current Statement Cycle. Rates and rewards are variable and may change after account is opened.

Additional Information:

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open the Kasasa Cash Back account. Monthly receipt of electronic statements is a condition of these accounts. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A

Choice Checking:

*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 Gulf Coast Community Federal Credit Union as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by Gulf Coast Community Federal Credit Union. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

Reward Information:

Choice Checking: When you do the following transactions and activities in your Choice Checking account during a Monthly Qualification Cycle, your monthly service fee of $4.00 will be reduced as follows until the fee is retired for that statement cycle:

• $2.00 if you are enrolled in and agree to receive e-statements
• $0.25 reduction for every debit card purchase that posts and settles

Fee is not reduced if these activities do not occur. Your aggregate fee reduction earnings will be credited to your Choice Checking account on the last day of the current statement cycle. Rates and rewards are variable and may change after account is opened.

Additional Information: $25 minimum deposit is required to open the account. Fees and rewards may change after account is opened. This account is not to be used for commercial purposes and there is a limit of one (1) account per social security number. This account's monthly service fee will be charged to the account on the last day of the Statement Cycle. When you close this account, you will not be charged the monthly service fee for that Statement Cycle. Refer to Gulf Coast Community Federal Credit Union for fees that may apply to this account. Enrollment in electronic services (e.g. electronic statements) may be required to meet some of this account's qualifications. Federally insured by NCUA.