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Set up automatic transfers from your Kasasa® account to save easily — and earn high interest on top of rewards.

Key Features

  • Automatic Reward Transfers
  • High Interest
  • No Monthly Maintenance Fees
  • Electronic Banking
  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash® or Kasasa Cash Back® checking
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
    • 2.00% APY* on balances up to $25,000
    • 2.00% to 0.64% APY on balances over $25,000 depending on balance in account*
    • 0.05% APY* if qualifications are not met in Kasasa Cash or Kasasa Cash Back
  • No monthly maintenance fees
  • No minimum balance to earn rewards
  • Free electronic banking
  • Surcharge-free ATMs available
  • $5 minimum deposit to open

No Tricks — Just Easy Qualifications

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back 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® accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.

*Kasasa Saver:

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 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:

When your linked Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, your Kasasa Saver account balances up to $25,000.00 in your Kasasa Saver account earn an APY of 2.00% and balances over $25,000.00 earn an interest rate of 0.30 % on the portion of the average daily balance over $25,000.00, resulting in a range from 2.00% to 0.64% APY depending on the account's balance.

When your linked Kasasa Cash or Kasasa Cash Back account qualifications are not met, the entire average daily balance in the Kasasa Saver account earns an interest rate of 0.05% resulting in an annual percentage yield of 0.05% APY.

Interest, cash back and ATM fee reimbursements will be credited to your Kasasa Saver account on the last day of the current statement cycle.  Kasasa Cash rewards are automatically transferred to the linked Kasasa Saver account within one day.  This automatic transfer may cause an overdraft on your linked Kasasa Cash account, if the account’s balance is less than the transferred amount when the occurs. 

APY = Annual Percentage Yield.

APYs accurate as of 01/02/2024

APY calculations are based on an assumed balance of $25,000.00+ $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

$5.00 minimum deposit is required to open the account.

Qualifications of the Kasasa Cash or Kasasa Cash Back 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 withdrawal or transfers) must post and settle to your account in the monthly qualification cycle.

Limit of 1 account(s) 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.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Member FDIC.


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