Summary

Enjoy really high interest earnings plus refunds on ATM withdrawal fees!*

What if we told you we want to pay you just for banking with us? That’s literally what we do with free Kasasa Cash® checking — an account that pays up to 3.25% APY* every month, just for doing easy banking activities you probably already do. The rewards don’t stop there — you’ll also get unlimited refunds on ATM withdrawal fees, nationwide. That means every ATM is your ATM! Link your account to a free Kasasa Saver® to make saving super simple.

Features & Benefits

  • Free checking that pays high interest
  • 3.25% APY* on balances up to $25,000
  • 3.25% to 0.95% APY on balances over $25,000 depending on balance in account*
  • 0.04% APY* if qualifications aren't met
  • Unlimited refunds on ATM withdrawal fees, nationwide*
  • Link to Kasasa Saver® to build savings automatically
  • Add Kasasa Protect® for comprehensive fraud protection* 
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free online banking & bill pay
  • Free eStatements
  • Free mobile banking & mobile deposit
  • Free instant-issue MasterCard® debit card
  • $50 minimum deposit to open

Earning Cash is as Easy as 1, 2, 3 

Qualifying for your rewards is so simple, you’re probably already doing it! 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 bill pay transaction
  • At least 10 debit card purchases
  • Be enrolled in and agree to receive eStatements


See? No problem! And don’t worry if you don’t meet your qualifications during a cycle — your account is still free. Plus, you’ll still earn the base 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. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $25,000 receive APY of 3.25%; and balances over $25,000 earn 0.38% interest rate on the portion of balance over $25,000, resulting in a range from 0.95% to 3.25% APY depending on the account’s balance and (2) you will receive reimbursements 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 $5.00 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 0.04% 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 03/01/2018. 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. $50 minimum deposit is required to open the account. Monthly Direct Deposit/ACH credit, 10 debit card transactions and receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons) may be required to meet some of the account’s qualifications. Limit 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. 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.