Get high interest and refunds on ATM withdrawal fees* just for keeping your money local.
- Really High Interest
- Refunds on ATM Withdrawal Fees*
- No Monthly Maintenance Fee
- No Minimum Balance Requirements
- Free checking that pays high interest
- 2.00% APY* on balances up to $10,000
- 2.00% to 0.41% 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 $15 monthly)*
- Link to free Kasasa Saver® to build savings automatically
- No minimum balance to earn rewards
- No monthly maintenance fee
- Free digital banking, including:
- Online banking & bill pay
- Mobile banking with mobile deposit
- Free Mastercard® debit card
- $100 minimum deposit to open
Earning Your Rewards is Easy
So easy, in fact, you’re probably already qualifying. 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 payment, or ACH credit
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
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) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.
Contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $10,000.00 in your Kasasa Cash account earn an interest rate of 1.98% resulting in an APY of 2.00%; and daily balances over $10,000.00 earn an interest rate of 0.25% on the portion of the daily balance over $10,000.00, resulting in a range from 0.41% to 2.00% APY depending on the account's daily balance.
You will receive reimbursements up to an aggregate total of $15 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal 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. NOTE: ATM fee reimbursements only apply to Kasasa Cash or Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.
When your Kasasa Cash qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.05% 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 are accurate as of 04/01/2021.
APY calculations are based on an assumed balance of $10,000 + $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; 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.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. One hundred dollar ($100) minimum deposit is required to open the account. Monthly electronic bank statements is a condition of this account. See accompanying schedule of Activity Charges & Fees for fees that may apply to 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 one (1) account per person. There are no recurring monthly maintenance fees 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. Contact one of our customer service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.