Banking in your community gets even better with cash rewards and no monthly maintenance fees — ever.
- Really High Interest
- No Monthly Maintenance Fees
- Debit Mastercard®
- Electronic Banking
- Free checking that pays really high interest
- 7.00% APY* on balances up to $10,000
- 7.00% to 0.73% APY on balances over $10,000 depending on balance in account*
- 0.05% APY* if qualifications aren't met
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
- Link to free Kasasa Saver® to build savings automatically
- No monthly maintenance fees
- No minimum balance to earn rewards
- Free electronic banking
- Kasasa Protect® available for added security
- Free debit Mastercard with Mobile Money Access
- Overdraft protection available
- $50 minimum deposit to open
No Tricks — Just Easy Qualifications
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 direct deposit, ACH credit, or ACH payment transaction
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month.
*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 by 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 one (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. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle. Kasasa Cash: Balances up to $10,000.00 receive APY of 7.00% and balances over $10,000.00 earn 0.10% interest rate on the portion of balance over $10,000.00 resulting in a range from 7.00% to 0.73% APY depending on the account’s balance. Kasasa Saver: (Linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $25,000.00 in your Kasasa Saver account receive an APY of 3.00% and balances over $25,000.00 earn 0.30% interest rate on the portion of balance over $25,000.00 resulting in a range from 3.00% to 0.84% APY depending on the account’s balance. ATM Fee Refunds: you will receive refunds up to $25.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.05% APY; all balances in a Kasasa Saver account earn 0.05% APY; and ATM fees are not refunded. Rewards and ATM fee refunds will be credited to the appropriate Kasasa account on the last day of statement cycle. Automatic transfer from Kasasa Cash to Kasasa Saver occurs within one day and may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. *When linked to the Kasasa Saver account, the interest earned within the linked Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual interest amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account.
APY = Annual Percentage Yield. APYs accurate as of 11/01/2023. 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. A $50.00 minimum deposit is required to open the Kasasa Cash or Kasasa Cash Back account. A $5.00 minimum deposit is required to open the Kasasa Saver account. Qualifications of this account are: being enrolled in and agreeing to receive e-statements, at least 1 monthly ACH debit or credit and at least 12 POS (debit card purchases – not including ATM withdrawals or transfers) must post and settle to your account in the monthly qualification cycle. Limit 1 account per social security number/individual taxpayer identification number. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC.