High interest and ATM fee refunds, nationwide* — that’s all in a day’s work for Kasasa®! Choose our free Kasasa Cash® checking account and earn up to 0.51% APY* every month when you do easy banking basics, like signing up for direct deposit. And you’ll even enjoy 24/7 money management services free with your account!
Free Kasasa Cash
- Free checking that pays high interest
- 0.51% APY* on balances up to $10,000
- 0.51% to 0.09% APY on balances over $10,000 depending on balance in account*
- 0.05% APY* if qualifications aren't met
- Nationwide ATM fee refunds**
- Link to free Kasasa Saver® to build savings automatically
- No minimum balance to earn rewards
- No monthly service charge
- Free online banking & bill pay
- Free eStatements (required to open and maintain the account)
- Free mobile banking with mobile deposit
- Free telephone banking
- Free Visa® debit card
- Unlimited check writing
- $25 minimum deposit to open
It's Easy to Earn Your Rewards
It's so easy to qualify, you're probably already doing it! To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH credit, or ACH payment transaction(s)
- At least 10 debit card purchases, each $5.00 or more
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate and get nationwide ATM fee refunds**. 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 less than $5.00, 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) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking 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 $10,000 in your Kasasa Cash account earn an interest rate of 0.51% resulting in an APY of 0.51%; and daily balances over $10,0000 earn an interest rate of 0.05% on the portion of the daily balance over $10,000, resulting in a range from 0.51% to 0.09% APY depending on the account's daily balance. 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%. 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 12/08/2022. 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. $25.00 minimum deposit is required to open the account. Receipt of electronic statements is a condition of this account. See accompanying schedule of Fees and Charges 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 account per social security number. There are no recurring monthly maintenance charges 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 bank service representatives at 816-540-2525 for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
**Limit-Up to 5 ATM surcharge fee refunds with a maximum overall credit of $25.00 per account each statement cycle.