Checking Pays

Checking Pays

Checking that pays your back

Open a Checking Pays Account

Checking that doesn't charge - it puts you in charge.

Cash Back on Debit Card Purchases

No Monthly Maintenance Fee

ATM Withdrawal Fee Refunds*

Free Digital Banking

If your checking doesn’t regularly reward you, you’re missing out.

Free Checking Pays refunds your ATM withdrawal fees, nationwide*, with no monthly maintenance fee, ever. It also pays you for debit card purchases… just because.

Here are a few highlights of your benefits:
  • 3.00% cash back on debit card purchases, up to $300 in total purchases1
  • Up to $9 total cash back per monthly qualification cycle1
  • Up to $25 in ATM withdrawal fee refunds (max $4.99 per transaction)*
    When qualifications are not met, ATM withdrawal fees are not reimbursed.
  • Checking Saver Pays – a FREE savings account that automatically grows with each dividend reward
  • No minimum balance to earn our rewards
  • No monthly maintenance fees — so your money stays with you
Other Optional benefits:
  • Ultimate Benefits – earn extra benefits such as travel and dining rewards and so much more. All for a low membership fee of $3.99 per month, charged to your Keesler Federal Credit Union checking account.
Get cash back rewards for things you’re probably already doing!
Checking Pays

To earn your rewards, enrollments must be in place and all of the following transactions and activities must post and settle to your Checking Pays account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH credit, or ACH payment transaction2
  • At least 12 debit card purchases2
  • eStatements required

We understand life gets busy. If you don’t meet the qualifications one month, your account is still free and you can try again the following month.

Ultimate Benefits

If you like extra perks, then Ultimate Benefits is for you. Features such as discounts on travel & rental cars, entertainment, consumer services and so much more are available upon enrollment. A Keesler Federal checking account is required.

Here’s a few highlights of your benefits:
  • Cellular Care Coverage – $600 in coverage
  • Travel Benefits – full-service travel and guaranteed lowest available pricing, plus 3-5% cash back
  • TicketXpress – discounts on entertainment, sporting events, movies & more
  • Cash Back Rewards – from 3,000+ online merchants
  • Health Savings – pharmacy, hearing, vision, dental
  • Consumer Services – purchase protection, 90-day warranty
  • Local Savings – hundreds of area merchants
  • Pet Health Insurance – save up to 10% on premier medical and wellness plans for your pets
  • SavingsXpress – Instant mobile savings at thousands of local merchants
  • And so much more…

All for a low membership fee of $3.99 per month, charged to your Keesler Federal Credit Union checking account.

Explore Ultimate Benefits

Existing Ultimate Benefits Users

Checking Pays


1Reward Information:

When Checking Pays qualifications are met during a Monthly Qualification Cycle, you will receive 3.00% cash back on up to a total of $300 debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back payments may be earned per Monthly Qualification Cycle.

Monthly qualifications:

At least 1 direct deposit, ACH credit, or ACH payment instruction
At least 12 debit card transactions
eStatements required

*You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Checking Pays account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

When your Checking Pays account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.

Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Checking Pays account on the first day following the current statement cycle.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.

2Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. 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 our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. 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.

“Monthly Qualification Cycle” means the current statement cycle.

Click here for specific Monthly Qualification Cycle dates.

“Statement Cycle” means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder’s account.

Additional Information:

Membership restrictions may apply.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

$25 minimum deposit is required to open the account.

Having at 1 direct deposit, ACH credit, or ACH payment transaction are conditions of this account.

Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.

Limit of 1 account(s) per social security number.

There are no recurring monthly maintenance charges or fees to open or close this account.

This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

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