Free Kasasa Cash® Checking

Earn really high interest on your checking balance every month — plus refunds on ATM withdrawal fees, nationwide!* Kasasa Cash is free checking that rewards you just for banking locally.

Summary

  • Free checking that pays high interest
    • 3.15% APY* on balances up to $15,000
    • 3.15% to 0.85% APY on balances over $10,000 depending on balance in account*
    • .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
    • (Both Earned interest and refunded ATM withdrawal fees are eligible)
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Great Services, including:
  • Free CLB Visa® Debit Card
  • $100 minimum deposit to open

Qualifications

It’s easy to earn your rewards. 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 12 debit card purchases
  • Be enrolled in and agree to receive e-Statements
  • Be enrolled in and log into online banking

Please note: Limit 1 per SSN.

If you don’t meet your qualifications during the cycle, don’t worry —Your Kasasa Cash account is still free. Also, you’ll still earn our base interest rate. Plus, you can get right back to earning your full rewards the very next month.

Apply in Minutes

Disclaimer

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, PIN-based, signature based debit card purchases less than $5.00, debit card purchases processed by merchants and received by our bank as ATM transactions, PIN-based, signature based 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 the current statement cycle. Contact one of our branch service representatives for specific Monthly Qualification Cycle dates. “Statement Cycle” means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. Contact one of our branch service representatives for specific Statement Cycle dates. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000.00 in your Kasasa Cash account earn an interest rate of 3.1054% resulting in an APY of 3.15%; and daily balances over $15,000.00 earn an interest rate of .50% on the portion of the daily balance over $15,000.00, resulting in a range from 0.05% to 0.50% APY depending on the account’s daily balance. You will receive reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during the Monthly Qualification Cycle in which you qualified. When your Kasasa Cash qualifications are not met, the interest rate earned on the account’s entire daily balance will be 0.0500% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 01/02/2020. APY calculations are based on an assumed balance of $15,000.00 + $100,000 in your Kasasa Cash 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 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. $100.00 minimum deposit is required to open the account. Monthly eStatements are a condition of this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications. Limit of 1 account(s) per Social Security Number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. 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. Trademarks: Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.