Checking Accounts

At New Horizons Credit Union, we offer members a variety of checking accounts to fit your needs:

No Cost Basic Checking

    Our Free Basic Checking account offers:

  • No monthly service fee or minimum balance requirement
  • Access your funds through ATMs in the Allpoint, STAR or Cirrus networks
  • No Cost   Visa® Debit Card
  • Unlimited check writing
  • Link to Courtesy Pay for overdraft protection

**If you use your checking account to its fullest, you may be interested in earning rewards such as higher interest, cash back, or iTunes rewards with our Kasasa Checking accounts listed below.

Click here to re-order checks


New Start Checking

    If you have had issues with your previous checking account, New Horizons Credit Union offers you a second chance. So, if you do not qualify for our regular No-Cost Checking or one of our Kasasa accounts, you may still qualify to have this New Start Checking account. After 12 months of proven capability to manage a checking account with no returned checks or other issues, a member may request to be signed up for any of our other checking account programs. This is a great program to help re-establish yourself.

  • $100 opening balance required
  • No minimum balance to maintain
  • Unlimited check writing
  • No cost   Visa® Debit Card
  • Small monthly service charge 
  • Ability to establish a regular Checking account after 12 months of proven history.

 Kasasa® Checking Accounts

We’re proud to offer Kasasa® — free accounts that reward you for doing banking basics you probably already do. Enjoy your choice of high interest rates , cash back , or refunds for what you buy online.

Plus, all Kasasa Checking accounts reimburse your ATM withdrawal fees, nationwide * — so every ATM is your ATM. Visit us today to open your accounts in minutes.

We offer three Kasasa Checking Accounts:

Kasasa Cash, Kasasa Cash Back, and Kasasa Tunes. View and compare the differences below for the one that is right for you - or just enroll in our No Cost Basic Checking - the choice is yours!


Kasasa Cash® Checking — earn a high interest rate every month.

  • 1.00 % APY* on balances up to $10,000*
  • 1.00 % to 0.32% APY on balances over $10,000 depending on balance in account*

  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly thru 3/31/18, then up to $15 monthly effective 4/1/18)*
  • No monthly service fees
  • No minimum balance to open account or earn rewards
  • Free Visa® Debit Card
  • Free Online Banking and Mobile Banking with Bill Pay
  • Free Telephone Banking (Voice 24)
  • Free e-statements
  • Link to Courtesy Pay for overdraft protection
  • *APY = Annual Percentage Rate
    Earning a high rate and ATM refunds is 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 bill pay, 1 ACH payment transaction, or 1 direct deposit post and settle
  • Have at least 12 debit card purchases post and settle thru 3/31/18; then must have at least 15 debit card purchases post and settle effective 4/1/18.
  • Be enrolled in and agree to receive e-statements by 3/31/18. If no e-Statement, account will be fee'd a paper statement fee of $3/month effective 4/1/18.

    If you don’t meet these qualifications, don’t worry. 

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

    *When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, balances up to $10,000 receive APY of 1.00%; and balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000, resulting in a range from 1.00% to 0.32% APY depending on the account balance. When qualifications are not met, all balances in the account earn 0.05% APY. 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 us as ATM transactions, and purchases made with debit cards not issued by us. Transactions bundled together by merchants and received by us as a single transaction count as a single transaction for the purpose of earning account rewards. “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. Additional terms and qualifications apply. Please see Credit Union for complete details. 

    * APY = Annual Percentage Rate

    Kasasa Cash Back Checking - Earning cash back is 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 bill pay, 1 ACH payment transaction, or 1 direct deposit post and settle
  • Have at least 12 debit card purchases post and settle thru 3/31/18; then must have at least 15 debit card purchases post and settle effective 4/1/18.
  • Be enrolled in and agree to receive e-statements by 3/31/18. If no e-Statement, account will incur a paper statement fee of $3/month effective 4/1/18. 

  • If you don’t meet these qualifications, don’t worry.

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

    *When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 2.00% 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 $8.00 cash back may be earned per Monthly Qualification Cycle. When Kasasa Cash Back qualifications are not met, no cash back. 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 us as ATM transactions, and purchases made with debit cards not issued by us. Transactions bundled together by merchants and received by us as a single transaction count as a single transaction for the purpose of earning account rewards. “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. Additional terms and qualifications apply. Please see Credit Union for complete details.

    Kasasa Tunes® Checking — let us fund your fun.


  • Earn $10 in refunds for iTunes®, Amazon.com®, or Google Play™ purchases every month*
  • Get $10 in refunds for iTunes, Amazon, or Google Play just for opening your account*
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly thru 3/31/18, then up to $15 monthly effective 4/1/18.)*
  • No monthly service fees
  • No minimum balance to open account or earn rewards
  • Free  Visa® Debit Card
  • Free Online Banking and Mobile Banking with Bill Pay
  • Free Telephone Banking (Voice 24)
  • Free e-statements
  • Link to Courtesy Pay for overdraft protection

  • Earning your refunds is easy.

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

  • Have at least 12 debit card purchases post and settle each month thru 3/31/18; then must have at least 15 debit card purchases post and settle each month effective 4/1/18.
  • Be enrolled in and agree to receive e-statements by 3/31/18; if no e-statement, account will incur a paper statement fee of $3/month effective 4/1/18.

  • If you don’t meet this qualification, don’t worry.

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



    *When Kasasa Tunes qualifications are met during a Monthly Qualification Cycle you will earn up to an aggregate total of
    $10.00 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, and Google Play, purchases must be made with your New Horizons Credit Union debit card and must post and settle to your account before the Monthly Qualification Cycle in which you qualified ends. 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 us as ATM transactions, and purchases made with debit cards not issued by us. Transactions bundled together by merchants and received by us as a single transaction count as a single transaction for the purpose of earning account rewards. “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. Additional terms and qualifications apply. Please see Credit Union for complete details.

    Choose Kasasa today! Open your accounts in minutes at any of our convenient locations .