Checking

Rewards Checking Accounts

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Get paid to bank here

We understand that our members have different needs. That is why we offer 4 types of rewards checking accounts. These accounts are designed to fit your lifestyle so you can spend less time banking and more time doing what you love to do.

Benefits

Free ATM’s nationwide

When you qualify for rewards, ATM fees are reimbursed. Strata is also part of the CO-OP ATM network. Use a CO-OP atm and no fees apply.

No Monthly Service Charge

Your checking account will always be free.

Rewards-Focused checking accounts

Qualify for rewards is easy. You are most likely already doing it. Get rewards every month.

Compare Kasasa Accounts

  • Best if you want:

    Best if you want:

  • Reward

    Reward

  • Minimum deposit to open

    Minimum deposit to open

  • Minimum balance to earn rewards

    Minimum balance to earn rewards

  • Monthly Service Charge

    Monthly Service Charge

  • Unlimited Refunds on ATMs Nationwide

    Unlimited Refunds on ATMs Nationwide

  • Free MasterCard Debit Card

    Free MasterCard Debit Card

  • Free Checks

    Free Checks

Kasasa Cash

  • Best if you want:

    Get rewarded with cash dividends on your account balance*

  • Reward

    2.25% APY Dividend on Balances up to $15,000

  • Minimum deposit to open

    $25

  • Minimum balance to earn rewards

    $0

  • Monthly Service Charge

    $0

  • Unlimited Refunds on ATMs Nationwide

  • Free MasterCard Debit Card

  • Free Checks

Kasasa Cash Back

  • Best if you want:

    Earn cash back on everyday purchases like gas, groceries, and a whole lot more.

  • Reward

    2.0% Cash Back on Debit Purchases up to $350 per month ($7/month max payout)

  • Minimum deposit to open

    $25

  • Minimum balance to earn rewards

    $0

  • Monthly Service Charge

    $0

  • Unlimited Refunds on ATMs Nationwide

  • Free MasterCard Debit Card

  • Free Checks

Kasasa Tunes

  • Best if you want:

    Get rewarded for purchasing things like music, movies and more!

  • Reward

    $5/month Flat Reimbursement for Amazon or iTunes Purchases

  • Minimum deposit to open

    $25

  • Minimum balance to earn rewards

    $0

  • Monthly Service Charge

    $0

  • Unlimited Refunds on ATMs Nationwide

  • Free MasterCard Debit Card

  • Free Checks

Requirements to Earn Rewards for Kasasa Accounts

For our on-the-go members who don’t want to be slowed down by a basic checking account, our Kasasa accounts give freedom and rewards. Just complete 3 simple requirements each month and you qualify for rewards. Many of our members are already doing all three without even thinking about it.

Use Your Debit Card

Just use your debit card for everyday transactions at least 12 times per month to qualify

Enroll in E-Statements

Enroll in E-Statement to qualify.

Use Online Banking

Sign into online banking or the mobile app at least once per month to qualify

Standard features

All rewards checking accounts come with:

  • Free mobile banking with app
  • Free online banking from your computer
  • Free online bill pay
  • Free E-statements

Round Up

Round up is an optional feature for our checking accounts. For each transaction with your debit card the remainder change will be rounded up and transferred to another account of your choice. For many of our members that is a savings account.

Learn More

Round Up Hand

Not Interested in Kasasa

For those who prefer to write checks and receive paper statements, we offer an account that can earn dividends & rewards.

Plus Checking

  • Free checks
  • Earn dividends on your checking balance
  • No fee for out-of-network ATM withdrawals* (ATM owner may add a surcharge to your withdrawal)
  • $7 Monthly fee waived if either balance requirements are met
  • $2,000 minimum average daily balance OR $10,000 combined in any combination of your Strata CU accounts
  • Online banking, mobile banking, MasterCard debit card, and e-statements are available, but not required to earn dividends or waive the monthly fee.

Kasasa Saver

Open a Kasasa saver with a Kasasa checking account and get a bump in dividend returns for your primary savings account.

Dollar bill reflection Kasasa Saver

On-the-Go Banking

For our members who are always on the go they want their banking technology up to date and secure. As long as they can deposit check remotely, get their direct deposit and have access to their available funds they love our on-the-go banking features.

Mobile Banking

Use our modern mobile banking app to transfer money from your accounts, make loan payments, make remote deposits, and communicate with our staff to dispute charges.

Download our Mobile App »

Online Banking

Online banking gives you the option to go on your home computer to do everything you can do in the app on a bigger screen. Take advantage of our money manager, free bill pay, and person to person transfers even if they are not with Strata Credit Union.

Get started with Online Banking »

I’ve banked with other Credit Unions in town before and they always made me feel like they don’t care about me, like they only wanted my money,” said Cazares. “I am treated like a friend at Strata Credit Union. That is why I like coming here.

— Joseph Cazares, Member Since 2009

Open your account today

Visit a branch
Schedule an appointment
Open a Rewards Account
Apply Online
Call us

(661)327-9461

Toll Free: (800)336-5376

FAQs

Please see our fee schedule below for fees.

Fees may reduce earnings. View our fees.

You may use your Strata Credit Union MasterCard Debit Card or Credit Card worldwide.  Please call us before you leave to place a “Travel Notification” on your card for better security and reduce the chances of your card being restricted or blocked.  Never rely solely on one card for your needs. Transactions in foreign currencies will convert to US dollars on the date they post to your account.  Credit card transactions are subject to a 1% foreign transaction fee.

You may call our Card Department at 314-542-7111 if your card stops working or is lost or stolen.

You can sign up for online banking on the home page of our website. Just click on “First Time Login” and we will guide you through it. Or click here to set up your online banking account.

Take your time back and log on to any computer to manage your accounts. Online banking lets you check account balances, review past transactions, transfer funds between accounts, and more.

Use Online Bill Pay to pay bills electronically, and save time and money. You can also set up alerts, reminders, and recurring payments to avoid getting a late payment fee.

  • Manage your accounts from your computer
  • Easy to enroll and navigate
  • View account balances
  • Review recent transactions
  • Make loan payments
  • Save time and money with Bill Pay
  • Set up alerts and reminders
  • Set up recurring payments

Register for online banking today!

Disclosures

*APY=Annual Percentage Yield. APYs accurate as of 01/01/2019. Rates may change after account is opened. Minimum to open is $25 for Kasasa Cash and $5 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during
 qualification cycle will be reimbursed and credited to account
on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 2.25%; and (3)
balances over $15,000 earn 0.25% dividend rate on the portion of the balance over $15,000, resulting
in 2.25% – 0.51% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. “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. The advertised Kasasa Cash APY is based on compounding dividend. Dividend earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual dividend amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $25,000 in Kasasa Saver receive an APY of 0.75%; and (2) balances over $25,000 in Kasasa Saver earn 0.25% dividend rate on portion of balance over $25,000, resulting in 0.75% – 0.35% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.05% APY. Limit one account per SSN.

*APY=Annual Percentage Yield. APYs accurate as of 01/01/2019. Rates may change after account is opened. Minimum to open is $25 for Kasasa Cash Back and $5 for Kasasa Saver. When monthly qualifications are met, you will receive 2.00% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $7 per monthly qualification cycle. Domestic ATM fees incurred using Kasasa Cash Back debit card during qualification cycle will be reimbursed if qualifications are met within monthly qualification cycle. Qualifying transactions must post to and settle account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “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. Kasasa Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. If qualifications in Kasasa Cash Back are met each monthly qualification cycle: (1) balances up to $25,000 in Kasasa Saver receive an APY of
0.75%; and (2) balances over $25,000 in Kasasa Saver earn 0.25% dividend rate on the portion of the balance over $25,000, resulting in 0.75% – 0.35% APY depending on the balance. If qualifications are not met on Kasasa Cash Back, all balances in the Kasasa Saver earn 0.05% APY. Limit one account per SSN.

*APY=Annual Percentage Yield. APYs accurate as of 01/01/2016. Rates may change after account is opened. The minimum to open account is $25. You will be refunded up to $25 for iTunes® and/or Amazon.com® purchases that post to and settle account during the first 60 days after you open an account. Refunds will be credited to account on the last day of statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $5 in refunds of iTunes and/or Amazon.com purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made with debit card associated with your Kasasa Tunes account. Qualifying transactions must post to and settle the account during monthly qualification cycle. Transactions may take one or more banking days from date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. “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. iTunes is a registered trademark of Apple, Inc. and Amazon.com is a registered trademark of Amazon Inc. Apple Inc. and Amazon Inc. are not participants in or sponsors of this program. Limit one account per SSN.

** Surcharge may be charged by the owner/operator of the ATM

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