Discover the Best Personal Checking Accounts in Lancaster, PA

Women at ATM

Are you tired of ordinary checking accounts that offer little in return and want more? Look no further! At Lanco Federal Credit Union, we understand the importance of maximizing your banking experience. That’s why we proudly offer a range of innovative Kasasa® Checking Accounts in Lancaster, PA, designed to reward you for your everyday banking activities.

With these accounts, you have the opportunity to earn cash rewards just for banking normally, such as using your debit card for purchases and having a direct deposit posted to your account. Additional perks include refunds on ATM fees nationwide, no minimum balance to open an account, and no monthly service fees.*

Just choose the Kasasa checking account that works best for you and apply online. It takes less than 10 minutes to open a checking account, and you’ll be earning rewards in no time! Not yet a member of our credit union? You can become a member today if you live, work, worship, or attend school in Lancaster County, PA. Become a member today to unlock the full potential of your banking experience.

Explore the Benefits of Kasasa Checking Account

Dealing with hidden fees, limited rewards, and minimal account features can be frustrating. But you can say goodbye to those problems when you embrace the benefits of Kasasa checking accounts from Lanco FCU! Choose below from the two primary types of checking accounts in Lancaster, PA, for personal use to discover which Kasasa checking account is best suited for you!

2.5% cash back on debit card purchases

Most Popular
Kasasa Cash Back® Checking

With a Kasasa Cash Back® Checking Account—our most popular Kasasa account—you’ll enjoy earning 2.5% cash back rewards on debit card purchases up to $8.50 per month.* Plus, you’ll benefit from unlimited free in-network ATM withdrawals and up to $30 per month in nationwide ATM fee refunds.*

Kasasa Cash Back® Checking Accounts feature free online banking, free E-Statements, free mobile banking with remote check deposit, a free Visa® cash back debit card, and unlimited check writing in Lancaster, PA.

4.00% APY* on balances up to $10,000*

Kasasa Cash® Checking

With a Kasasa Cash® Checking account, you’ll earn up to 4.00% APY on your checking account balance.* You’ll also have the freedom to use any ATM, with unlimited free in-network ATM withdrawals and up to $30 per month in nationwide ATM fee refunds.*

Kasasa Cash® Checking Accounts include free online banking, free E-Statements, free mobile banking with remote check deposit, a free Visa® debit card, and unlimited check writing. Plus, you will get all the benefits of being a member of our credit union in Lancaster, PA!

Compare Lanco FCU’s Checking Accounts

When you are looking for a cash back debit card in Lancaster, PA, to earn rewards on eligible purchases, your local credit union is the best choice. With various types of checking accounts available feature no minimum balance and no monthly fees, you can feel more in control of your money. Use the comparison chart below to determine which option is best for you!

Discover Our Checking AccountsKASASA CASH BACK®KASASA CASH®BASIC CHECKING
Earn Cash Back on Debit Card Purchases2.5% cash back, up to $8.50/month*
Earn Dividends4.00% APY on balances up to $10,000*
ATM Fee ReimbursementsUp to $30 per month*Up to $30 per month*
Free ATM Withdrawals†unlimitedunlimited4 free per month
then $1.00 each
No Minimum Balance
No Monthly Service Fee
Option to Pair with Kasasa Saver®
Learn More | Apply OnlineLearn More | Apply Online

Still Not Sure Which Account Type Is Right for You?

No problem! We understand that choosing the right checking account type is essential. That’s why we are here to help you! Contact us today or visit one of our branches to get the help you need!

Frequently Asked Questions About Our Checking Accounts in Lancaster, PA

A pen writes the amount on a check.

Whether you just landed your first job and need a checking account to deposit your check, or you are looking for a better financial institution for your everyday banking, Lanco FCU is here for you! We have over 10,000 members and can help you make smart decisions with your money. Learn more about our checking accounts and what they do in these frequently asked questions!

What Is a Checking Account?

A checking account is a bank account that allows for withdrawals and deposits. A checking account is very liquid, with funds accessible through various means. Money can be deposited into checking accounts at credit unions, banks, ATMs, through direct deposit, or other forms of electronic transfer. Money can be withdrawn from checking accounts at credit unions, banks, and ATMs, or by using checks or a debit card connected to an account.

Whereas savings accounts may limit the number of monthly deposits and withdrawals, most checking accounts allow for unlimited deposits and numerous withdrawals. Hence, they are ideal for everyday gas, grocery, medical, and other purchases.

Checking accounts tend to offer smaller interest rates compared with savings accounts. This lower amount is considered to be a tradeoff for checking accounts’ increased liquidity.

Checking accounts may come in personal accounts, business accounts, student accounts, and joint accounts, with the latter connecting two or more people, usually marital partners.

Are There Any Monthly Fees or Minimum Balances for a Kasasa Checking Account?

Many banks do not consider checking accounts profitable. Unlike savings accounts, of which banks use the balances to earn interest through investments and loans, checking account balances are typically low and often fluctuate. To compensate for this revenue-producing shortfall, banks will often require higher minimum balances and charge monthly fees to checking account holders.

However, with Kasasa checking accounts, you’ll enjoy the confidence of knowing that you are not required to have a minimum balance to open the account. Additionally, you’ll never pay any monthly service fees. These are two special benefits of having a Kasasa checking account.

Can I use an ATM with my Cash Back Debit Card in Lancaster, PA?

ATMs, or automatic teller machines, are kiosks where people may access cash from their checking accounts or savings accounts after credit union or bank hours. ATMs often charge high fees—ranging from a few to several dollars—resulting in the account holder losing money in exchange for the convenience ATMs provide. Additionally, some bank cards may even come with fees for using an ATM that’s out of network, on top of the ATM owner’s surcharge.

But with Kasasa checking accounts at Lanco FCU, you can use your debit card at any ATM for unlimited withdrawals.† Plus, each month you meet your Kasasa rewards qualifications, you’ll get refunded up to $30.00 for any ATM fees you paid nationwide.*

Can I Direct Deposit a Check into My Kasasa Checking Account?

Our checking accounts in Lancaster, PA, are very flexible, with account holders often tying their accounts to their employers’ payroll systems. If your employer offers direct deposit, you can provide your account information to your employer and receive your payment by electronic deposit into your account. This transfer eliminates the need for a paper paycheck, offering convenience and timely availability of your payday funds. Retirees receiving government and/or retirement benefits may also enjoy direct deposit services.

What Is An Electronic Funds Transfer?

Just as it sounds, an Electronic Funds Transfer, or EFT, is any transfer of money that occurs electronically into or out of your account. EFTs enable checking account holders to receive money directly into their accounts without having to wait for checks to arrive and be cashed at their local credit union or bank. EFTs can include wire transfers, debit card point of sale (POS), automated clearing house (ACH), e-check, and ATM transactions.

What is the Benefit of Using My Debit Card?

In the modern world, many enjoy using their debit cards, connected to their checking accounts, as forms of payment anywhere and everywhere. Cashless banking is truly a reality for many, with debit cards providing credit cards’ ease of use and portability without shouldering the burden of interest-heavy credit card bills.

In fact, by using a Kasasa Cash Back® Checking Account debit card, you’ll receive 2.5% cash back on purchases up to $8.50 per month.* When paired with a Kasasa Saver® account, these cash-back rewards are funneled into the Kasasa Saver® account along with ATM fee refunds.*

What Is a Kasasa Checking Account?

A Kasasa checking account is a brand of checking accounts available only at select community banks and credit unions such as Lanco Federal Credit Union. Kasasa checking accounts are free, meaning there are no monthly maintenance fees, and they offer rewards.^ At Lanco Federal Credit Union, you can choose from the Kasasa Cash® or Kasasa Cash Back® varieties. Either of these Kasasa checking accounts may be tied to a Kasasa Saver® account so you can get the most out of your money.

How Do I Open a Checking Account at Lanco FCU?

At Lanco Federal Credit Union, we make it all very easy for customers to open a checking account. You’re welcome to open Kasasa Cash Back®, Kasasa Cash®, and Kasasa Saver® accounts online or in person at any Lanco FCU branch.

To open a checking account with Lanco Federal Credit Union, you’ll need less than 10 minutes and just a few information items.

You’ll need your:

  • Driver’s license or state-issued ID
  • Social Security Number
  • Current checking or savings account information to fund the new account
  • Previous home address if you’ve lived at your existing residence for less than two years

Apply for Kasasa Cash Back  >

Apply for Kasasa Cash Back + Kasasa Saver >

Apply for Kasasa Cash >

Apply for Kasasa Cash + Kasasa Saver >

What Does Kasasa Mean?

The “Kasasa” meaning is something quite a number of people want to know! Truth be told, “Kasasa” is a made-up word and can mean whatever you’d like it to mean.

At Lanco Federal Credit Union, we like to think “Kasasa” is connected with flexible, appealing checking accounts in Lancaster, PA, that offer cash back and ATM fee reimbursements as well as require no minimum balance or service fees. All of these benefits and so much more make for a lot of reasons to sign up for a Kasasa checking account!

Are you ready for Kasasa?

Become a Member Today to Take Advantage of All the Benefits of Kasasa

Kasasa Checking Accounts in Lancaster, PA, solve the common frustrations associated with traditional checking accounts. By offering cash rewards, ATM fee reimbursements*, and various account options tailored to your financial needs, we aim to enhance your banking experience and help you get more out of your hard-earned money.

With our commitment to providing exceptional service and innovative banking solutions, there’s never been a better time to explore the benefits of Kasasa Checking Accounts. So, say goodbye to the limitations of ordinary checking accounts and embrace the advantages of being a Lanco FCU member.

Become a member today and discover how Lanco Federal Credit Union can empower you to make the most of your banking experience.

*Important Details:

No minimum deposit is required to open a Kasasa Cash or Kasasa Cash Back checking account, and there is no minimum balance to earn rewards. Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. Rates and rewards are variable and may change after the account is opened. APY means Annual Percentage Yield. Contact a Lanco FCU representative for additional information, details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions.

Qualification Information:

To earn your rewards, the following enrollments must be in place, and all transactions and activities must post and settle to your Kasasa checking account during each Monthly Qualification Cycle: (1) Enrollment in E-Statements, (2) At least 1 direct deposit or ACH transaction, (3) At least 12 debit card purchases. ATM-processed transactions do not count toward qualifying debit card purchases. The Monthly Qualification Cycle is a period beginning one calendar day prior to the first day of the month and ending one calendar day prior to the last day of the month.

Reward Information:

Kasasa Cash Back. When qualifications are met during a Monthly Qualification Cycle, you will earn the following rewards on transactions which post and settle to your Kasasa Cash Back account during the cycle: (1) 2.5% cash back on debit card purchases up to a maximum of $8.50, and (2) reimbursements of domestic ATM fees up to a maximum of $30.00. When qualifications are not met, no cash back or ATM reimbursements will be earned during the cycle. Rewards earned are credited to the account on the last calendar day of the month. Rewards less than $0.01 cannot be distributed.

Kasasa Cash. Kasasa Cash is a tiered-rate checking account. When qualifications are met during a Monthly Qualification Cycle, you will earn the following rewards: (1) Kasasa Cash balances up to $10,000.00 earn 4.00% APY and balances $10,000.01 and over earn a 0.35% dividend rate on the portion of the balance over $10,000.00, resulting in 4.00%–0.68% APY depending on the balance, and (2) domestic ATM fees incurred during the Monthly Qualification Cycle will be reimbursed up to a maximum of $30.00 per cycle. When qualifications are not met, Kasasa Cash balances earn 0.01% APY and ATM fees are not reimbursed. Advertised APYs are accurate as of the last dividend declaration date. Rewards and dividends earned are credited to the account on the last calendar day of the month. Rewards less than $0.01 cannot be distributed.

Kasasa Saver. Kasasa Saver is a tiered-rate savings account available only to holders of a Kasasa Cash or Kasasa Cash Back checking account. When qualifications are met in the linked Kasasa checking account during a Monthly Qualification Cycle, Kasasa Saver balances up to $50,000.00 earn 1.00% APY and balances $50,000.01 and over earn a 0.35% dividend rate on the portion of the balance over $50,000.00, resulting in 1.00%–0.64% APY depending on the balance. When qualifications are not met in the linked Kasasa checking account during a Monthly Qualification Cycle, Kasasa Saver balances earn 0.01% APY. Advertised APYs are accurate as of the last dividend declaration date. Rewards earned in Kasasa Cash Back linked with Kasasa Saver are deposited into Kasasa Saver on the last calendar day of each month. Rewards and dividends earned in Kasasa Cash linked with Kasasa Saver are deposited into Kasasa Cash on the last calendar day of each month and automatically transferred to Kasasa Saver on the first day of the next month. Advertised APYs for Kasasa Cash are based on compounding dividends. If Kasasa Saver is linked to Kasasa Cash, dividends earned in Kasasa Cash do not compound; actual dividends amount paid may be less than the advertised Kasasa Cash APYs.

^Kasasa® account costs, rewards, conditions, and qualification criteria may vary by institution.

†Unlimited Free ATM Withdrawals: Lanco FCU does not impose a fee for ATM withdrawals from a Kasasa Cash or Kasasa Cash Back checking account. Out-of-Network ATM owners may disclose and charge you a transaction fee. Kasasa Cash and Kasasa Cash Back accountholders may be eligible for reimbursements of those fees when qualifications are met. Withdrawals from a Lanco FCU share savings, Kasasa Saver, or basic checking account which exceed four per account per month are subject to a fee as disclosed in the Schedule of Fees and Charges.

Kasasa, Kasasa Cash Back, Kasasa Cash, and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.