Kasasa Accounts

See which account type works best for you.

 

Kasasa Cash®

Enjoy free checking that pays. Earn high interest earnings and refunds on ATM withdrawal fees, nationwide.

  • Free checking that pays high interest
  • 3% APY on balances as much as $20,000
  • 3.04% to 0.63% APY on balances over $20,000 depending on balance in account
  • .05% APY* on all balances if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Minimum deposit to open $1

 

Qualifications to Earn 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:

  • At least one direct deposit, ACH credit, or ACH payment transaction (each a minimum of $1 or more)
  • At least 12 debit card purchases post and settle
  • Be enrolled in and review eStatements

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.

Kasasa Cash Back®

Choose this free checking account that pays cash back on debit card purchases — plus refunds on ATM withdrawal fees.

  • Free checking that pays you back
  • Get 3.00% cash back on debit card purchases
  • No category restrictions on purchases
  • Cash back earned on as much as $300 in purchases monthly
  • Earn as much as $108 cash back per year, $9 per month
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Minimum deposit to open $1

Qualifications to Earn Cash Back

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least one direct deposit, ACH credit, or ACH payment transaction (each a minimum of $1 or more)
  • At least 12 debit card purchases post and settle
  • Be enrolled in and review eStatements

And if you don’t meet these qualifications, don’t worry — your account is still free. And you can get right back to earning your cash rewards the very next cycle that you qualify.

Kasasa Tunes®

Like to shop online? This free checking refunds you for your purchases of music, movies, and more.

  • Free checking that pays you to shop online
  • $10 in refunds for iTunes®, Amazon®, or Google Play™ purchases every month
  • $20 in refunds for iTunes, Amazon, or Google Play purchases when you open your account
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Minimum deposit to open $1

Qualifications to Earn Refunds

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Tunes account during each Monthly Qualification Cycle:

  • At least one direct deposit, ACH credit, or ACH payment transaction (each a minimum of $1 or more)
  • At least 12 debit card purchases post and settle
  • Be enrolled in and review eStatements

But if you don’t meet these qualifications, don’t worry — your account is still free. And you can get right back to earning your rewards the very next cycle that you qualify.

Kasasa Saver®

Link this free account to your Kasasa® checking — and build savings automatically while earning high interest.

  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash Back® or Kasasa Cash® checking
  • Automatic transfers of Kasasa Cash earnings
  • 4.00% APY on balances as much as $50,000
  • 4.00% to 1.50% APY on balances over $50,000 depending on balance in account.
  • .05% APY on all balances if qualifications are not met in Kasasa Cash
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Minimum deposit to open $1

Qualifications to Earn the Higher Rate

Qualifying for your Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate, too. 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 (each a minimum of $1 or more)
  • At least 12 debit card purchases post and settle
  • Be enrolled in and review eStatements

And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate on Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.

Kasasa Cash 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.
"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, average daily balances up to and including $20,000 in your Kasasa Cash account earn an interest rate of 3.00% resulting in an APY of 3.04%; and average daily balances over $20,000 earn an interest rate of 0.6282% on the portion of the average daily balance over $20,000, resulting in a range from 3.04% to 0.63% APY depending on the account's average 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 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. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.
When your Kasasa Cash qualifications are not met, the interest rate earned on the account's entire average 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 accurate as of 04/06/2022
Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change 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.
$1.00 minimum deposit is required to open the account.
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.
Member FDIC.
Trademarks: Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Cash Back 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.
"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 Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 3.00% cash back on up to a total of $300 debit card purchases that post and settle to the account during that cycle period. A maximum of $9 cash back payments may be earned per Monthly Qualification Cycle.
You will receive reimbursements up to an aggregate total of $25 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. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.
When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.
Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change 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.
Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
$1 minimum deposit is required to open the account.
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.
Member FDIC.
Trademarks: Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Tunes Bonus Information:
As a bonus to individuals who open and fund a new Kasasa Tunes account, our bank will refund up to an aggregate total of $20 (which includes any applicable taxes) for any iTunes, Amazon.com, or Google Play purchases made with your Kasasa Tunes debit card that post and settle to the account within the first 60 calendar days after your account is opened.
This refund will be credited to your account on the last day of the current statement cycle in which your aggregate iTunes, Amazon.com, or Google Play purchase threshold of $20 posts and settles to your account.
No minimum balance is required to obtain this bonus. $1 minimum deposit is required to open the account.
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.
"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 Tunes account qualifications are met during a Monthly Qualification Cycle, you will receive up to an aggregate total of $10 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your Kasasa Tunes debit card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified ends.
You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Tunes 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. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.
When your Kasasa Tunes account qualifications are not met, iTunes, Amazon.com and Google Play purchases and ATM withdrawal fees are not refunded.
iTunes, Amazon.com and Google Play purchase reimbursements and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Tunes account on the last day of the current statement cycle.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change 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.
Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
$1 minimum deposit is required to open the account.
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.
Member FDIC.
Trademarks: iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program.
Kasasa and Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A.

Truth in Savings Disclosures

 

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