Mobile apps make life easy. Your latte is ready before you get to the counter, lunch is waiting when you walk in, and rewards stack up with every swipe. Coffee shops, restaurants and retail apps are incredibly convenient — but they’re not the safest place to store your money.
Let’s break down why keeping extra funds in these apps isn’t the best move—and how your credit union account keeps you protected.
When you load $25, $50, or even $100 onto an app like Starbucks, Chick-fil-A or any major retailer, something important happens:
👉 Your money leaves the protection of your credit union.
👉 It loses insurance coverage.
These app balances are NOT insured. That means:
If the company experiences fraud or a data breach… your money could disappear.
If the company shuts down or freezes accounts… you may not be able to recover your funds.
Unlike your credit union deposits — insured up to at least $250,000 — money inside retail apps has zero insurance protection.
Translation: Convenience is great, but you don’t want to take unnecessary risks with your hard-earned cash.
Here’s the part members always love hearing — you don’t have to give up your favorite mobile-ordering perks.
The smarter, safer move is simple:
Keep your money in your insured credit union account
Pay in the app with your debit card or mobile wallet instead of preloading cash
Most apps still let you:
✔ Earn points
✔ Unlock perks
✔ Grab the same great rewards
— all without storing money in the app itself.
You get your latte. You get your rewards.
And your money stays protected where it belongs.
Keeping your cash at APCU/Center Parc isn’t just about safety — it’s also about earning more.
With a Kasasa® Checking account*, you can:
Earn high dividends or cash back
Pay no monthly maintenance fees
Boost your balance by doing the things you already do — using your debit card, enrolling in eStatements, logging in to online banking, and more
Your everyday purchases — yes, even your coffee runs — can help grow your balance.
That’s like turning your latte habit into a financial win.
You don’t have to stop using the apps you love.
Just keep your money where it’s:
✔ Insured
✔ Protected
✔ Able to grow
Then use your debit card inside the apps for the same convenience and perks.
Keep your money safe at APCU/Center Parc
Earn more with Kasasa®
Enjoy your latte with peace of mind
If you’d like help updating your payment methods in your favorite apps or want to learn more about Kasasa checking, our team is here for you — ready to help with a smile.
Federally Insured by NCUA.
*Membership restrictions and credit qualifications apply. If you’re eligible to join, you must apply for a savings (share) account. APCU/Center Parc will deposit the par share value of $1.00 to the required savings (share) account upon opening. Monthly minimum qualifications include setting up and receiving direct deposit, making a minimum of 12 debit card purchases, and enrolling in and receiving eStatements. When monthly qualifications are met during a Monthly Cycle you will receive 3% 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 cash back payments may be earned per Monthly Qualification Cycle. When monthly qualifications are not met, cash back payments are not made, and nationwide ATM withdrawal fees are not reimbursed. $1.00 minimum deposit is required to open the Kasasa Checking account. Fees could reduce the earnings on the account.
Trademarks: Kasasa, Kasasa Saver, Kasasa Cash and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.