Posted by William Charles on January 12, 2020
Savings Accounts

Published on January 12th, 2020 | by William Charles


[MI only] Kalsee Credit Union Kasasa+ Checking Account

Offer at a glance

  • Interest Rate: 4.25% APY
  • Minimum Balance: None
  • Maximum Balance: $25,000
  • Availability: Michigan only
  • Direct deposit required: Yes, $1,000+
  • Additional requirements: See below
  • Hard/soft pull: Unknown
  • ChexSystems: Unknown
  • Credit card funding: Unknown
  • Monthly fees: None
  • Insured: NCUA

The Offer

Direct link to offer

  • Kalsee Credit Union offers a Kasasa+ checking account, this accounts offers 4.25% APY on balances up to $25,000 if the following requirements are met:
    • 24 debit purchases per month
    • eStatements
    • Login to online or mobile banking at least once per month
    • Direct deposit(s) totaling at least $1,000 per month

Avoiding Fees

This account has no monthly fees to worry about.

Our Verdict

A lot of requirements with this one, might be worth it for some but there are probably better high interest accounts out there for most people. A full list of those can be found here.

Hat tip to missjenniferd1


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Commensurate with the spending activities identified above, we expect the account’s debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Any debit card purchase transaction(s) totaling $4.99 or below completed during the monthly qualifications cycle will not be 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.


as “Clueless” would say, “that was way harsh”


Mods I think it’s worth noting the excerpt from the terms by Raj. That’s a pretty serious downside.


24 debit purchases per month for over $5 each transaction…All for $88/month in interest. Too much work for too little return imo.

Chimpo Chee
Chimpo Chee

It all depends. WorkS for people who travel a lot. For the avg Joe- it’s tough. I come close to 200 debits a month but most r under $5.00. This n Tab that’s 39 high value debitS….lol.

Just bought a cookie n coffee at mcFonalds. One purchase. In a pinch I could have got 2 debits……lol.

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