{"slug":"aspen-fcu-free-kasasa-cash-checking-rate","category":"bank","institutionSlug":"aspen-fcu","product":"Free Kasasa Cash Checking","title":"Aspen FCU Free Kasasa Cash Checking: 5.75% APY","bonus":"5.75% APY","unit":"cash","amount":0,"reqShort":"No minimum opening deposit, qualifications required monthly","expiresOn":null,"status":"live","verifiedOn":"2026-08-07","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"Account will be closed if qualifications are not met or if not actively used over 2 consecutive statement cycles.","posts":"Dividends credited on the first processing/business day of the following statement cycle.","applyDomain":"aspenfcu.com","applyUrl":"https://www.aspenfcu.com/accounts/personal-checking","summary":"Earn 5.75% APY on balances up to $20,000 when account qualifications are met monthly. Qualifications include at least one direct deposit or ACH credit, 12 debit card purchases of $4.99 or more, online banking enrollment, and e-statement enrollment. If qualifications are not met, earn 0.05% APY.","reqSteps":[],"finePrint":["Rates are variable and may change after account is opened","Balances over $20,000 earn 1.17% to 5.75% APY depending on balance","When qualifications are not met, only 0.05% APY is earned","Rewards less than a penny cannot be distributed","Account must be used as primary checking account for day-to-day spending","Maximum of 1 account per Social Security number","Account will be closed if not actively used over 2 consecutive statement cycles","Small calculated debit card transactions conducted to meet qualifications may result in account conversion or closure"],"apy":575,"apyTerm":"ongoing APY on balances up to $20,000","listedOn":"2026-08-07","listedAt":"2026-08-07T13:05:47.808Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"aspenfcu.com rate page","url":"https://www.aspenfcu.com/accounts/personal-checking","checkedOn":"2026-08-07"}],"needsVerification":false}