Earn really high interest — up to 1.50% APY* — and $20 in refunds on ATM withdrawal fees*, nationwide. Link your account to free Kasasa Saver® for even greater earnings.
- Free checking that pays really high interest
- 1.50% APY* on balances up to 25,000
- 1.50% to .50% APY on balances over $25,000 depending on balance in account*
- 0.05% APY* if qualifications aren't met
- Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
- Link to free Kasasa Saver® to build savings automatically
- No monthly maintenance fee
- No minimum balance to earn rewards
- Free online banking and bill pay
- Free mobile banking with mobile deposit
- Free eDelivery (online statements)
- Free debit card
- Unlimited check writing
- $100 minimum deposit to open
Earning Rewards Is Easy
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
- At least 1 direct deposit or ACH payment transaction
- Be enrolled in and agree to receive eDelivery (online statements)
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 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. “Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. "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. See our website or contact one of our branch service representatives for specific Statement Cycle dates. See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $25,000 receive APY of 1.50%; and balances over $25,000 earn 0.25% interest rate on the portion of balance over $25,000, resulting in a range from 0.25% to 1.50% APY depending on the account’s balance and (2) you will receive reimbursements up to an aggregate total of $20.00 (max. $4.99 per single transaction) for nationwide ATM withdrawal fees imposed by 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 $4.99 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 sixty (60) calendar days of the withdrawal transaction. When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM withdrawal fees are not refunded. Interest and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 08/16/2020. 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 may apply. $100.00 minimum deposit is required to open the account. There is a maximum opening deposit of $300 for accounts opened online. Monthly Direct Deposit/ACH credit or debit, enrollment in online banking, receipt of electronic statements are condition(s) of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons) is required to meet account’s qualifications. Limit 1 account(s) per social security number. There are no recurring monthly maintenance charges or fees to open this account. There is a $25.00 fee if you close your account within 90 days of account opening. We reserve the right to convert the account to a different checking account if the account does not meet account qualifications over four (4) consecutive statement cycles. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.