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Banking in your community has its benefits — 3.00% APY* and unlimited ATM withdrawal fee refunds* in benefits to be exact! Kasasa Cash® checking is the free account that rewards you for banking local and for doing some simple basics like using your debit card to shop. Open your account online today to start earning!

  • Free checking that pays high interest
  • 3.00% APY* on balances up to $10,000
  • 3.00% to 0.50% APY on balances over $10,000 depending on balance in account*
  • 0.01% APY* if qualifications aren't met
  • Unlimited refunds on ATM withdrawal fees, nationwide (up to $4.99 per transaction)*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free online banking and bill pay
  • Free mobile banking with mobile deposit
  • Free eStatements
  • Free debit card
  • $100 minimum deposit to open

Bank Easy to Earn Your Rewards

Qualifying for your rewards requires no more than using the free services that come with your account. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle: 

  • At least 1 ACH credit or ACH payment transaction
  • At least 12 debit card purchases

See? Simple. And don’t worry if you don’t meet your qualifications during the cycle — your Kasasa Cash account is still free and will earn our base interest rate. Then you can get right back to earning your full rewards the very next month.

A $100 minimum deposit is required to open the account. Monthly ACH Credit or ACH Debit and a minimum of 12 debit card transactions are a condition of this account. Limit of 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account.  Receipt of an electronic statement is a feature of the account; however, the customer may opt to receive a paper statement for a monthly fee of $2.00.  If the account does not meet qualifications for a 6 month period, the account will be converted to a STAR account.  Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. 

*Qualification 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 bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. 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 a period beginning 1 business day prior to the first day of the current statement cycle through one 1 business day prior to the close of the current statement cycle.  The statement cycle ends the 2nd Tuesday of each month.

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) daily balances up to $10,000 receive an annual percentage yield (APY) of 3.00%; and balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000, resulting in a range from 3.00% to 0.50% APY depending on the account’s balance and (2) you will receive unlimited reimbursements for nationwide ATM withdrawal fees imposed by this and other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within 60 calendar days of the withdrawal transaction. When Kasasa Cash qualifications are not met, all balances in the account earn 0.01% APY and ATM withdrawal fees are not refunded. Reward payments and ATM fee reimbursements will be credited to the appropriate Kasasa account on the last day of current statement cycle.  APY = Annual Percentage Yield.  APY is accurate as of 07/01/2017. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. 

Member FDIC.  Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.