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Earn high interest and unlimited refunds on ATM withdrawal fees, nationwide* with this free checking account. There’s no minimum balance requirements and no monthly maintenance fees. Plus, qualifying for your rewards is so easy, you’re probably doing it already — like using your debit card and signing up for e-Statements.

Take a stand for your money. Take back banking.

  • Free high interest checking account
    • 3.00% APY* on balances up to $15,000
    • 3.00% to 0.48% APY* on balances over $15,000 depending on balance in account
    • 0.05% APY* if qualifications aren't met
  • Unlimited refunds on ATM withdrawal fees, nationwide*
  • Option to link to high-interest Kasasa Saver® account
  • No minimum balance to earn rewards, ever
  • No monthly service charge, ever
  • Free online banking & bill pay
  • Free mobile banking with mobile deposit
  • Free e-Statements
  • Free MasterCard® debit card
  • Unlimited check writing
  • $50 minimum deposit to open

It's easy to earn your rewards!

To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled in and agree to receive e-Statements
  • Be enrolled in and log into online banking

That's really it. Even if you don't meet your qualifications during the monthly qualification cycle, your account is still free and you'll still earn our base rate. Plus, you can get back to earning your full rewards the very next monthly qualification cycle!

*APY=Annual Percentage Yield. APYs accurate as of 02/19/19. Rates may change after account is opened. Minimum to open is $50.

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: (1) At least 10 debit card purchases; (2) be enrolled in and agree to receive e-statements; and (3) be enrolled in and log into online banking. 

For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $4.99 per transaction. Any ATM fee that is $5 or more will be reimbursed by bringing the ATM receipt to any of our branches within 60 calendar days of the transaction and we will refund the fee. (2) balances up to $15,000 receive APY of 3.00%; and (3) balances over $15,000 earn 0.2520% interest rate on the portion of the balance over $15,000, resulting in 3.00% to 0.48% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY and ATM fees are not refunded. Qualifying transactions must post and settle to Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle to account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Accounts with Kasasa Cash linked to Kasasa Saver: reimbursements/interest earned in Kasasa Cash are automatically transferred to Kasasa Saver on the first business day of the following statement cycle and does not compound. Accounts with Kasasa Cash not linked to Kasasa Saver: reimbursements/interest earned will be credited to your Kasasa Cash account on the last day of current statement cycle. Actual interest amount paid may be less than advertised Kasasa Cash APY. 

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, logons and other requirements apply. Having at least 10 debit card purchases post and settle, enrollment in online banking and receipt of electronic statements are condition(s) of this account. 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 service charges or fees to open or close this account. Contact one of our bank’s customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa, Kasasa Cash, and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

You must be 18 years or older to apply. No minimum balance is required to earn rewards.

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