Checking Accounts

Checking accounts are essential to your life, and Southbridge Credit Union offers Kasasa Checking and Super NOW Checking with FREE online banking, FREE mobile banking, FREE 24-hour telephone banking and a MasterCard debit card. We understand your life is busy and you need options. Come into any of our convenient locations, and a friendly financial services specialist will be happy to assist you!

Bylaw Requirements

Your Southbridge Credit Union membership is established by a prime share savings account with a $5.00 minimum balance and a checking account may be opened thereafter.

Get paid to bank with us! Earn high interest every month (up to 2.00% APY*) just for doing a few banking basics, like using your debit card. When you earn rewards in your Kasasa® account, you’ll also get refunds on your ATM withdrawal fees, nationwide* — so every ATM is your ATM. Add Kasasa Saver to make saving easy.

  • 2.00% APY* on balances up to $25,000
  • 0.60% to 2.00% APY on balances over $25,000.01 depending on balance in account*
  • 0.05% APY* if qualifications aren’t met
  • Up to $25 in ATM withdrawal fee refunds per monthly qualification cycle*
  • Can link to free Kasasa Saver to build savings automatically
  • No minimum balance to earn rewards
  • Rewards will automatically transfer from your Kasasa Cash Checking account
  • No monthly service fee
  • Free online banking and bill pay
  • Free mobile banking including mobile check deposit
  • Free Debit/ATM card available with no annual fee
  • Free eStatements
  • $5 minimum deposit to open account

How to Earn Your Rewards (It’s Easy!)

To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 1 direct deposit or automatic payment (ACH) transaction post and settle
  • Have at least 12 debit card transactions post and settle
  • Be enrolled in online banking and eStatements

If you don’t meet these qualifications, your account is still free.

Plus, you’ll earn our base rate and you can get right back to earning your full rewards the very next cycle that you qualify.

Monthly Qualification Cycles

Month Start Date* End Date* Statement Date
January 2022 12/31/2021 01/30/2022 01/01/2022
February 2022 01/31/2022 02/27/2022 02/01/2022
March 2022 02/28/2022 03/30/2022 03/01/2022
April 2022 03/31/2022 04/28/2022 04/01/2022
May 2022 04/29/2022 05/30/2022 05/01/2022
June 2022 05/31/2022 06/29/2022 06/01/2022
July 2022 06/30/2022 07/28/2022 07/01/2022
August 2022 07/29/2022 08/30/2022 08/01/2022
September 2022 08/31/2022 09/29/2022 09/01/2022
October 2022 09/30/2022 10/30/2022 10/01/2022
November 2022 10/31/2022 11/29/2022 11/01/2022
December 2022 11/30/2022 12/29/2022 12/01/2022
*APY = Annual Percentage Yield. For all Kasasa accounts, you may qualify for monthly rewards if you meet the applicable minimum qualification requirements during each monthly qualification cycle. To meet the minimum qualification requirements, you must: 1) make 12 debit card purchases that post and settle your account; 2) have one direct deposit or automatic payment (ACH) settle your account; 3) be enrolled to receive free monthly e-statements. Monthly Qualification Cycles begin one (1) business day prior to the first day of the current statement cycle. When the last day of the month falls on a business day, the qualification period ends 1 day before statement cycle end date. When the last day of the month falls on a weekend, the qualification period ends 2 business days before the statement cycle end date. Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. Transactions may take one or more business days from the date the transaction was made to post and settle to the account. All transactions must post and settle during the monthly qualification cycle in order to qualify for the account’s reward. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account’s rewards and thus will be deemed inappropriate transactions and will not count toward earning the account’s rewards. Kasasa Cash Reward information: (1) balances up to $25,000 receive an APY of 2.00%; the portion of balance over $25,000 receives an APY of 0.25%, resulting in a range from 0.60% to 2.00% APY on the total account balance depending on the account’s total balance. Minimum qualification requirements must be met during each monthly qualification cycle in order to obtain APY. Lowest APY calculation is based on an assumed total account balance of $115,000. Kasasa Cash Back Reward Information: You will receive 2.00% cash back on up to $300 in debit card purchases that post and settle to your account if you meet the minimum qualification requirements during the monthly qualification cycle. In addition for both Kasasa Cash and Kasasa Cash Back accounts, we will refund up to $25 in ATM fees assessed at domestic ATM’s we do not own or operate. Kasasa Saver: This is a tiered rate account and is only available to holders of a Kasasa Cash or Kasasa Cash Back Accounts. If minimum qualifications are met during the monthly qualification cycle on your Kasasa Cash or Kasasa Cash Back Account: 1) balances up to $25,000 receive an APY of 1.00%; the portion of balance over $25,000 receives an APY of 0.25%, resulting in a range from 0.40% to 1.00% APY on the total account balance depending on the accounts total balance. Lowest APY calculation is based on an assumed total account balance of $115,000. There is a limit of 2 Kasasa Saver with Cash and 2 Kasasa Saver with Cash Back per tax identification number. Kasasa accounts are only available as personal accounts. Membership to Southbridge Credit Union requires a one-time dividend-earning deposit of $5 in a prime savings account. Federally insured by NCUA. Member MSIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
Kasasa Cash Back Checking

Make everyday shopping a lot more rewarding—earn 2.00% cash back on debit card purchases, up to $72 cash back per year.* Plus, get refunds on ATM withdrawal fees, nationwide.*

  • 2.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $300 in purchases monthly
    • Earn up to $72 cash back per year, $6 per month
  • Up to $25 in ATM withdrawal fee refunds, per monthly qualification cycle*
  • Can link to free Kasasa Saver to build savings automatically
  • No minimum balance to earn rewards
  • Rewards earned in your Kasasa Cash Back Checking account will automatically post to your Kasasa Saver account
  • No monthly service fee
  • Free online banking and bill pay
  • Free mobile banking including mobile deposits
  • Free Debit/ATM card available with no annual fee
  • Free eStatements
  • $5 minimum deposit to open

How to Earn Your Rewards (It’s Easy!)

To earn your rewards, just do the following transactions and activities in your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • Have at least 1 direct deposit or automatic payment (ACH) transaction post and settle
  • Have at least 12 debit card transactions post and settle
  • Be enrolled in online banking and eStatements

If you don’t meet these qualifications, your account is still free.

And you can get right back to earning your cash rewards the very next cycle that you qualify.

Monthly Qualification Cycles

Month Start Date* End Date* Statement Date
January 2022 12/31/2021 01/30/2022 01/01/2022
February 2022 01/31/2022 02/27/2022 02/01/2022
March 2022 02/28/2022 03/30/2022 03/01/2022
April 2022 03/31/2022 04/28/2022 04/01/2022
May 2022 04/29/2022 05/30/2022 05/01/2022
June 2022 05/31/2022 06/29/2022 06/01/2022
July 2022 06/30/2022 07/28/2022 07/01/2022
August 2022 07/29/2022 08/30/2022 08/01/2022
September 2022 08/31/2022 09/29/2022 09/01/2022
October 2022 09/30/2022 10/30/2022 10/01/2022
November 2022 10/31/2022 11/29/2022 11/01/2022
December 2022 11/30/2022 12/29/2022 12/01/2022
*APY = Annual Percentage Yield. For all Kasasa accounts, you may qualify for monthly rewards if you meet the applicable minimum qualification requirements during each monthly qualification cycle. To meet the minimum qualification requirements, you must: 1) make 12 debit card purchases that post and settle your account; 2) have one direct deposit or automatic payment (ACH) settle your account; 3) be enrolled to receive free monthly e-statements. Monthly Qualification Cycles begin one (1) business day prior to the first day of the current statement cycle. When the last day of the month falls on a business day, the qualification period ends 1 day before statement cycle end date. When the last day of the month falls on a weekend, the qualification period ends 2 business days before the statement cycle end date. Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. Transactions may take one or more business days from the date the transaction was made to post and settle to the account. All transactions must post and settle during the monthly qualification cycle in order to qualify for the account’s reward. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account’s rewards and thus will be deemed inappropriate transactions and will not count toward earning the account’s rewards. Kasasa Cash Reward information: (1) balances up to $25,000 receive an APY of 1.00%; the portion of balance over $25,000 receives an APY of 0.25%, resulting in a range from 0.60% to 2.00% APY on the total account balance depending on the account’s total balance. Minimum qualification requirements must be met during each monthly qualification cycle in order to obtain APY. Lowest APY calculation is based on an assumed total account balance of $115,000. Kasasa Cash Back Reward Information: You will receive 2.00% cash back on up to $300 in debit card purchases that post and settle to your account if you meet the minimum qualification requirements during the monthly qualification cycle. In addition for both Kasasa Cash and Kasasa Cash Back accounts, we will refund up to $25 in ATM fees assessed at domestic ATM’s we do not own or operate. Kasasa Saver: This is a tiered rate account and is only available to holders of a Kasasa Cash or Kasasa Cash Back Accounts. If minimum qualifications are met during the monthly qualification cycle on your Kasasa Cash or Kasasa Cash Back Account: 1) balances up to $25,000 receive an APY of 1.00%; the portion of balance over $25,000 receives an APY of 0.25%, resulting in a range from 0.40% to 1.00% APY on the total account balance depending on the accounts total balance. Lowest APY calculation is based on an assumed total account balance of $115,000. There is a limit of 2 Kasasa Saver with Cash and 2 Kasasa Saver with Cash Back per tax identification number. Kasasa accounts are only available as personal accounts. Membership to Southbridge Credit Union requires a one-time dividend-earning deposit of $5 in a prime savings account. Federally insured by NCUA. Member MSIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
Super NOW Checking

Super NOW Interest Checking Features

Enjoy a checking account that earns you interest!

Minimum Balance Requirements

The minimum balance required to open this account is $2,500.00. You must maintain a minimum daily balance of $2,500.00 in your account to avoid a fee. If during any statement cycle your account balance falls below the required minimum daily balance, your account will be subject to a fee for that statement cycle. Please refer to our separate fee schedule for additional information about charges. You must maintain a minimum daily balance of $10.00 in your account each day to obtain the disclosed annual percentage yield.

The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, or other electronic means.

Check printing fees depend on the style of the check ordered.

Bylaw Requirements

Your Southbridge Credit Union membership is established by a primary share savings account with a $5.00 minimum balance and a Super NOW Checking account may be opened thereafter.

Let us help you with your checking account:

Southbridge Credit Union wants to make it easy and convenient for you to order checks.