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Checking Accounts

Whether you’re paying bills, buying groceries, or transferring money to a child away at school, Sunmark’s checking plans make it easy to accomplish what you need to do. With a variety of checking options, choose the account that best suits your money management style and budget.

All of our checking accounts include these great benefits:

Kasasa Cash® Checking*

  • Free checking
  • Pays high dividends
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance requirement to earn rewards
  • No monthly maintenance fee
  • Free debit card 

​​​​​Kasasa Cash Checking is more than just free checking, it’s part of a movement to reward people for banking locally and keeping their money in their community. More info

Kasasa Cash Back®^

  • Free checking that pays you cash back refunds
  • Earn 2.50% cash back on debit card purchases
  • No category restrictions on purchases
  • Cash back earned on up to $300 in purchases monthly
  • Earn up to $90 cash back per year
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)
  • Link to free Kasasa Saver® to build savings automatically
  • Free debit card 

Kasasa Cash Back® is loaded with great features and benefits — and it’s free! More info

Simple Checking

  • No minimum balance
  • First box of checks free
  • $20 minimum opening deposit
  • Eligible for +Debit or America’s Debit Card
  • Overdraft Privilege

Perfect for individuals who don’t typically carry a large checking account balance, but want to reap the benefits Sunmark offers checking account holders.

Student Checking

  • No minimum balance
  • First box of checks free
  • $20 minimum opening deposit
  • Eligible for +Debit or America’s Debit Card

For our members ages 14 through 24, our Student Checking product also offers ATM fee rebates.^^

Earnings Checking

  • Earn Competitive Dividends
  • One box of checks free per year
  • $750 minimum opening deposit
  • Eligible for World Debit or America’s Debit Card
  • Overdraft Privilege

Earn a competitive dividend on higher checking account balances.

*Kasasa Cash is a variable rate checking product, and rates are subject to change.
1.00% to 6.00% blended APY.  Blended APY calculation is based on an assumed total account balance of $115,000. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Checking account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Qualification Information: To earn monthly rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle: (a) At least 1 direct deposit or ACH credit (b) At least 18 debit card purchases, (c) Be enrolled in and have agreed to receive e-statements rather than paper statements. "Monthly Qualification Cycle" means a period beginning on the last business day of the previous month and ending one (1) day prior to the last business day of the current month. Specific Monthly Qualification Cycle dates may be affected by holidays. Specific Monthly Qualification Cycle dates can be viewed here. When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded.
 
^APY = Annual Percentage Yield. To earn dividend, the following must take place each month: (a) At least 1 direct deposit, ACH payment, or bill pay transaction(s), (b) At least 12 debit card purchases, (c) Be enrolled in and have agreed to receive e-statements rather than paper statements. If terms are not met, APY will be 0.05%. Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Saver, and Kasasa Protect are trademarks of Kasasa, Ltd., registered in the U.S.A.  For additional details, please visit www.sunmark.org/bank/kasasa/kasasa-cash-checking OR for full details on Kasasa definitions, qualifications, rates, fees, and other information please see the “Master Account Agreement & Disclosures” and “Rate Addendum and Schedule of Fees and Charges.” These documents can be provided upon request.
 
^^A rebate of up to $12.00 per month will be credited to Student Checking accounts for domestic ATM surcharges and transaction fees.