Enjoy high interest earnings and refunds on ATM withdrawal fees* — just for banking with us!
Plus, you can link this account to a free Kasasa Saver® to make saving easy. Open your accounts online now.

Open Your Account Online Now!


  • Free checking that pays high interest
  • 3.00% APY* on balances up to $25,000
  • 3.00% to 0.80% 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)*
  • Kasasa Saver to build savings
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Debit Card1
  • Direct Deposit
  • ODP Line of Credit option2
  • FREE E-Statements
  • FREE Online Banking
  • FREE Online Bill Payment
  • FREE Mobile Banking and Mobile App (cellular provider rates may apply)
  • FREE Touch Tone Banking
  • $100 minimum deposit to open

Earning your rewards is really easy.

So easy that 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: For more clarification, please see our Qualifications Calendar.

  • At least 1 direct deposit, ACH credit, or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements

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.

Qualification Information:To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle: At least one (1) ACH credit or ACH payment transaction, At least 12 debit card purchases, Be enrolled in and have agreed to receive e-statements rather than paper statements, Maintain a valid email address on record with the bank. 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.

Reward Information:When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle daily balances up to and including $25,000.00 in your Kasasa Cash account earn an interest rate of 2.96% resulting in an APY of 3.00%; and daily balances over $25,000.00 earn an interest rate of .25% on the portion of the daily balance over $25,000.00, resulting in a range from 3.00% to .80% APY depending on the account's daily balance. You will receive reimbursements up to an aggregate total of $20.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back 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. When Kasasa Cash qualifications are not met, ATM withdrawal fees are not refunded and the interest rate earned on the entire daily balance in the account will be .05% resulting in an APY of .05%; Interest 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 May 22, 2019. APY calculations are based on an assumed balance of $25,000.00 + $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 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. $100.00 minimum deposit is required to open the account. Limit of 1 account per Social Security number. There are no recurring monthly maintenance charges or fees to open or close this account. High rate claim is based on FDIC's National Weekly Rates for interest checking accounts. Claim is independent of any one institution's offerings. Comparison Source: Interest Checking, FDIC http://www.fdic.gov/regulations/resources/rates/. Contact one of our bank service representatives for additional information, 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.

1Subject to credit approval. 2ODP Line of Credit is a line of credit for qualified checking account customers to automatically cover overdrafts up to the approved credit limit.