Checking Accounts

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

Free 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
  • Free  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.


Fresh Start Checking

    If you do not qualify for our Free Checking or one of our Kasasa accounts you may still qualify to have a 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.

  • $100 opening balance required
  • No minimum balance to maintain
  • Unlimited check writing
  • Free  Visa® Debit Card
  • Small monthly service charge
Prepaid Re-loadable Visa Debit Cards

New Horizons Credit Union offers Prepaid Re-loadable Visa Debit Cards which are ideal for the parent wishing to help their college bound student budget expenses. The re-loadable Visa debit card also offers a safe alternative to carrying large amounts of cash because you only load the amount you need. Visit any New Horizons Credit Union office to get set up with a re-loadable Visa debit card.


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. Add Kasasa Saver to your Kasasa Cash or Kasasa Cash Back checking to make saving easy. Visit us today to open your accounts in minutes.


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

  • 2.25% APY* on balances up to $10,000
  • 2.25% to 0.43% 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)*
  • 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 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
  • Be enrolled in and agree to receive e-statements

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

    Your Kasasa Cash account is still free. Plus, 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 2.25%; and balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000, resulting in a range from 2.25% to 0.43% 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. 

    Kasasa Cash Back® Checking — get paid to go shopping.
  • 2.00% cash back on debit card purchases up to $400*
  • Earn up to $96 cash back per year, $8 per month*
  • No category restrictions on purchases
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • 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 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
  • Be enrolled in and agree to receive e-statements

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

    Your Kasasa Cash Back account is still free. Plus, 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)*
  • 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
  • Be enrolled in and agree to receive e-statements

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

    Your Kasasa Tunes account is still free. Plus, 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 .