Kasasa Cash is a free checking account that earns a high rate of interest on your balance plus offers refunds on ATM withdrawal fees.**


Free checking that pays a really high rate of interest

  • 3.56% APY* on balances up to & including $10,000
  • 0.25% APY* on balances over $10,000
  • 0.05% 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
    • Interest rewards will be swept to your Kasasa Saver account
  • No minimum balance requirements
  • No monthly maintenance fees
  • Unlimited monthly transactions
  • Online banking services including:
    • Free Bill Pay
    • Free e-Statements
  • Free debit card
  • Overdraft protection available
  • $50 minimum deposit to open.

Qualifying 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 one direct deposit, ACH credit or ACH payment transaction
  • Be enrolled in and agree to receive e-Statements
  • Have 12 debit card transactions.

Don’t worry…

If for some reason you don’t meet these qualifications, don’t worry. Your account is still free and you can still earn the base rate.

Plus, you can get right back to earning your full rewards the very next cycle that you qualify.

*APY = Annual Percentage Yield  
**Terms and Conditions apply. Some restrictions apply.


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) 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.

Reward Information: When your Kasasa Cash account qualifications are met during a monthly qualification cycle, daily balances up to and including $10,000 in your Kasasa Cash account earn an interest rate of 3.50% resulting in an APY of 3.56% and daily balances over $10,000 earn an interest rate of 0.25% on the portion of the daily balance over $10,000, resulting in a range from 3.56% to 0.25% APY depending on the account’s daily balance. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that monthly qualification cycle. We will 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. 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 03/06/2024. 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. A $50 minimum deposit is required to open the account. Monthly Direct Deposit/ACH credit/ACH debit, enrollment in e-statements and twelve (12) debit card transactions are conditions 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 one account(s) per social security number. There are no recurring monthly maintenance charges or fees to open or close this 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.

Trademarks: Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Accurate as of 03/06/2024