Rewards Checking Accounts


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6.00% APY* on up to $20,000

Lift+ Checking

We pay you more, up to almost $1,200 per year2 with The Best Checking in the Universe!


What's a rewards checking, and why are Kalsee's the best?

While a traditional checking account helps you pay bills, purchase life's necessities, and transfer funds between accounts, a Kalsee rewards checking account takes your finances one step further. By adding perks — such as the best checking account cash back on purchases made using a debit card or the best checking account interest rates and ATM withdrawal fee reimbursements — we'll upgrade your online banking experience!

With our rewards checking accounts, you'll receive rewards for your day-to-day purchases and banking activities. In addition to depositing checks via branch or mobile app, paying bills, and transferring funds, reap bank account benefits like:

Our Kalsee rewards checking accounts give you the flexibility to bank how you like and choose the rewards that mean the most to you.


0.35% APY on the portion of your balance $20,000+.

 Up to $10 a month in ATM fee refunds.
No monthly service fee. No minimum balance.

Qualifying is easy.

  • 24 debit or credit card 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

Didn’t qualify? Don’t worry!
While you won’t receive your rewards that month, you can try again next month.

0.35% APY on the portion of your balance $25,000+.

Up to $10 a month in ATM fee refunds.
No monthly service fee. No minimum balance.

Qualifying is easy.

  • 12 debit or credit card purchases per month
  • eStatements

  • Login to online or mobile banking at least once per month

Didn’t qualify? Don’t worry!
While you won’t receive your rewards that month, you can try again next month.

Up to $10 a month in ATM fee refunds.
No monthly service fee. No minimum balance.

Qualifying is easy. 

  • 12 debit or credit card purchases per month
  • eStatements

  • Login to online or mobile banking at least once per month

Didn’t qualify? Don’t worry!
While you won’t receive your rewards that month, you can try again next month.

Keep the dividends coming with our sidecar Lift Savings account. Qualify in your rewards checking to earn rewards in your Lift Savings.



















Why Lift Checking?

Kalsee was founded in 1954 by employees of National Water Lift company (now Parker Hannafin). Our original name was Lift Line Credit Union, after a product line of National Water Lift company. The name we’ve selected for our interest bearing rewards checkings and savings honors our roots and aspiration to lift the financial wellness of our members and community.








The Best Checking Account in the Universe...

There are lots of rewards checking account options out there for you to sort through. So, how do we stack up? With the Best Checking Account in the Universe! We're committed to providing you the best possible rewards checking benefits. Here's what you could earn with Kalsee versus other local financial institutions in the Kalamazoo, Portage, and Battle Creek areas:



 APY2 On up to2 Annual dividends up to2 Qualifications
Kalsee Credit Union - Lift+ Checking
6.00%
0.35%
$20,000
on balance $20,000+
almost $1,200
and up!
  • 24 debit or credit card transactions
  • eStatements
  • $1,000 direct deposit
  • 1 login
Kalsee Credit Union -Lift Checking
3.00%
0.35%
$25,000
on balance $25,000+
almost $750
and up!
  • 12 debit or credit card transactions
  • eStatements
  • 1 login
Kellogg Community Credit Union - eChecking
5.25%
$15,000
 almost $788
  • 640 credit score
  • 20 debit transactions
  • eStatements
  • $500 direct deposit
  • 4 logins
  • Bill pay
Consumers Credit Union - Serious Interest Checking 4.00% $15,000 almost $600
  • 12 debit transactions
  • eStatements
  • $1,000 avg. daily balance
  • $1,000 direct deposit
Arbor Financial Credit Union - Momentum Checking 4.00% $15,000 almost $600
  • 20 debit transactions
  • $500 direct deposit
  • eStatements
Honor Credit Union - Benefits Checking 5.15% $10,000 almost $515
  • 20 debit transactions
  • eStatements
  • 1 login
  • Direct deposit
Blue Ox Credit Union - eXclusive Checking 4.00% $10,000 almost $400
  • 15 debit transactions
  • eStatements
  • 1 login
  • Valid address
  • $500 direct deposit
Lake Michigan Credit Union - Max Checking 3.00% $15,000 almost $450
  • 10 debit or credit card transactions
  • eStatements
  • 4 logins
  • Direct deposit
Advia Credit Union - Advantage Rewards Checking 5.00% $500 - $5,000 almost $250
  • 20 debit or credit card transactions
  • $400 e-Deposits
  • $500 minimum balance
Banks... Dividend rates so low, they're not even worth mentioning.



Sign up for a Kalsee rewards checking account.

At Kalsee Credit Union, our team is here to make your online banking experience efficient and worthwhile. With easy rewards checking qualification requirements, you can sign up and manage your regular banking needs using our mobile app and online banking services. Add debit card round-up to automate your savings!

Complete our online application or visit us at any of our branches to learn more about how you can save and earn with our Kalsee rewards checking accounts.



Not a Kalsee member yet?

Your first step towards awesome checking rewards is to join! Complete our easy online application, or visit any Kalsee branch. 

Apply for membership online, fund your account, and enroll in online banking

Break up with your bank checking account without the heartache...

With our fast, free, secure Pinwheel portal for switching your direct deposit to Kalsee, we'll take the pain out of changing financial institutions. No paperwork. No phone calls. Simply ask for Pinwheel when you open your checking. And with instant issue debit cards available at most branches, we'll get you up and running with your new account in no time.



Already have a Kalsee checking?

It’s easy to switch! Your account number and debit card won’t change. Just call and ask for rewards checking!











1 APY = Annual Percentage Yield. For all Kalsee rewards checking accounts, you may qualify for monthly rewards if you meet the applicable minimum qualification requirements for each calendar month: you must 1) make 12 debit or credit card purchases that post and settle to your account, or 24 for Lift+ Checking only; 2) access Online Banking at least one time per month; 3) be enrolled in and receive e-statements; and 4) for Lift+ Checking only, receive an aggregate of $1,000 in direct deposits. The monthly qualification cycle is defined as the calendar month. Kalsee rewards checking accounts and Lift Savings are limited to one account per SSN. All rewards checking accounts except Boost Spending in which qualifications are not met will earn 0.05% APY. Rates accurate as of , subject to change. Fees may reduce earnings.

Lift Savings. Tiered rate account available only to holders of a Kalsee rewards checking account: if you meet the minimum qualification requirements, 1.00% APY will apply to balances of $30,000.00 and below; 2.00% will apply to balances of $30,000.01 or greater. Each dividend rate will apply only to that portion of the account balance within each balance range. Account transfer and withdrawal limitations apply.

Lift Checking. Tiered rate account: if you meet the minimum qualification requirements during the monthly qualification cycle, 3.00% APY will apply to balances $25,000.00 and below; 0.35% APY will apply to balances of $25,000.01 or greater. Each dividend rate will apply only to that portion of the account balance within each balance range.

Lift+ Checking. Tiered rate account: if you meet the minimum qualification requirements during the monthly qualification cycle, 6.00% APY will apply to balances $20,000.00 and below; 0.35% APY will apply to balances of $20,000.01 or greater. Each dividend rate will apply only to that portion of the account balance within each balance range.

Boost Spending. Receive 3.00% cash back on up to $300.00 in debit card purchases that post and settle to your account if you meet the minimum qualification requirements during the monthly qualification cycle. If you do not meet all the monthly qualification requirements, you will not earn a cash back reward.

All Rewards Checkings. We will refund up to $10.00 in ATM fees assessed at domestic ATMs we do not own or operate. If you do not meet all the monthly qualification requirements, ATM fees will not be refunded to you.

Interest Checkings Comparison Chart

2 APY = Annual Percentage Yield. Rates accurate as of 2/21/2024. Potential dividends are estimated based on having the maximum cap balance plus compounded interest in the account for 365 days. Actual dividends paid may vary based on balance, calculation methodology, and above cap APY. Because Kalsee's Lift and Lift+ checkings pay interest on balances above the cap amount, there is no maximum amount of dividends that can be earned. Terms and conditions, eligibility requirements, qualifications, and dividend calculation methods vary by financial institution/account.











More to Explore

 
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How Do I...

Call 866-985-2273 from the phone associated with your account to activate your card or to change or set your card PIN.
Click to view our locations and hours.

Click to locate a fee-free ATM  near you. Did you know you can use credit union CO-OP network ATMs and fee free?
Login to your account online, call 269-382-7800, or visit any branch with a valid ID and correct address.

Don't see your question listed?


Visit our FAQ page.