Kasasa® – learn about the rewards

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*Kasasa Cash: “A minimum of $100.00 is required to open this account.  Available to Personal Accounts only.  When the Kasasa Cash Checking qualifications are not met, ATM withdrawal fees are not refunded and the interest rate on your account will be 0.05% and the annual percentage yield will be 0.05%.  When the Kasasa Cash Checking qualifications are met, the interest rate on your account and corresponding annual percentage yield will be tiered.  If the daily balance is less than $10,000.01, the interest rate paid on that portion of the balance will be 2.96%.  The annual percentage yield for this tier will be 3.00%.  if the daily balance is more than $10,000.00 the interest rate paid on that portion of the balance will be 0.249%.  The annual percentage yield for this tier will range from 3.00% to 0.25%.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).  You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield.  Rates as of May 24,2018.  We may change the interest rate and APY at any time after the account has been opened.  No minimum balance.”

**Kasasa Cash Back: “A minimum of $100.00 is required to open this account.  Available to Personal Accounts only.  When Kasasa Cash Back qualifications are not met, no cash back payments are made, and ATM withdrawal fees are not refunded.  When the Kasasa Cash Back qualifications are met during a monthly qualification cycle, you will receive 3.00% cash back on up to a total of $300 in debit card purchases that post and settle to the account during that qualification cycle.  A maximum of $9.00 cash back may be earned per monthly qualification cycle.  Kasasa Cash Back Checking Payments will be credited to your Kasasa Cash Back account on the last day of the current statement cycle.  Rates as of May 24,2018.  Rates, rewards and bonuses are variable and may change after account is opened. Fees may reduce earnings.  No minimum balance.”

Please note that transactions MUST post and clear to your account during the monthly qualification cycle. Transactions in a pending status do not qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post and clear an account. The following transactions do not count toward account rewards: ATM-processed transactions, transfers between accounts, non-retail transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

 ***Unlimited domestic ATM refunds per statement cycle if the requirements are met.  “Monthly Qualification Cycle” means a period beginning one banking day prior to the first day of the current statement cycle through one banking day prior to the close of the current statement cycle. Your account will be automatically qualified on that one day prior to the first day of the current statement cycle. What this means for you is if you did not qualify for the higher preferred rate, you might notice a slightly higher than the base rate APY earned on your statement due to the one day (the last day) being calculated with the higher preferred rate. The qualification cycle is the 21st of the month through the 20th of the next month. The qualification cycle may end earlier if the 20th falls on a weekend or holiday.  Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates.  Go to SENB.com to see your Kasasa Cycle Date Information.”

****To receive your monthly statement electronically, the following minimum computer hardware and software requirements must be met: One of the following operating systems: Windows XP, 2000 or Macintosh OSX. A secure session is established by using Secure Socket Layer (SSL) encryption and a compatible browser, such as; Internet Explorer 7.0, Netscape 7.2, Mozilla Firefox 1.0 or Safari 1.2.  If you choose not to have electronic delivery of eStatements, your account will be converted to an SENB Essential Checking account after three (3) monthly qualification cycles.

Other Account Information: SENB reserves the right to limit the number of accounts to two (2) accounts per social security number.

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