Free Kasasa Cash Checking

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Free checking that pays interest and ATM rewards? Yes, please! 

Get more from your checking — 2.50% APY* more to be exact! A few easy banking activities, like receiving eStatements, are all that stand between you and a really high interest rate.

The rewards don’t stop there. Next time you’re traveling through the Appalachians or anywhere else in the country, don’t fret over wasteful ATM fees. With free Kasasa Cash® checking, you can get up to $25 in refunds on ATM fees, nationwide.*

Summary
  • Free checking that pays high interest
  • 2.50% APY* on balances up to $10,000
  • 0.45% to 0.25% APY on balances over $10,000 depending on balance in account*
  • 0.01% APY* if qualifications aren't met
  • Refunds on ATM fees, nationwide (up to $25 monthly)*
  • Link to high-interest Kasasa Saver® account
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking & bill pay
  • Free eStatements
  • Free mobile banking
  • Free Visa® debit card
  • Unlimited check writing
  • $100 minimum deposit to open

Earning Your Rewards Is Easy!

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

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 direct deposit or 1 ACH debit transaction post and settle
  • Be enrolled in and agree to receive eStatements

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 you can get right back to earning your full rewards the very next month!

Qualifications Information: 

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

  • Have at least one ACH Credit or ACH debit transaction post and settle to your account.   
  • Have at least 12 PIN-based or signature-based debit card purchases, each greater than $5.00, post and settle 
  • Be enrolled in and agree to receive e-statements

*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. “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 $10,000 receive APY of 2.50%; and balances over $10,000 earn 0.50% interest rate on the portion of balance over $10,000, resulting in a range from 2.50% to 0.50% APY depending on the account’s balance and (2) you will receive reimbursements up to $25.00 ($4.99 per single transaction for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within 60 calendar days of the date of the ATM transaction for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Cash qualifications are not met, all balances in the account earn 0.01 APY and ATM fees are not refunded. Interest and ATM 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 01/04/2016. 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. A deposit of $100 is required to open the account. Monthly ACH Credit or ACH Debit transactions, enrollment to receive estatements, and twelve debit card purchases are conditions 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 one account per social security number/individual taxpayer identification 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, Kasasa Cash Back and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A.

View our full Kasasa Cash disclosure.