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Earn really high dividends — plus refunds on ATM withdrawal fees, nationwide — with free Kasasa Cash® checking.*

Get more from your checking account — in the form of really high dividends! Free Kasasa Cash® earns you up to 4.00% APY, and you’ll never pay a monthly service fee. Plus, enjoy refunds on ATM fees across the country.

  • Free checking that pays high dividends
    • 4.00% APY* on balances up to $10,000
    • 4.00% - 0.45% APY* on balances over $10,000
    • 0.01% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
  • Can link to Kasasa Saver® account
  • No minimum balance to earn rewards
  • No monthly service fee
  • Unlimited monthly transactions
  • Free Bill Pay
  • Free Online Banking 
  • Free E-Statements
  • Free Mobile Banking with Mobile Deposit
  • Access to Person-to-Person (P2P) Payments - Zelle
  • Free Visa® Debit Card
  • Unlimited check writing
  • $100 minimum deposit to open

Qualifying for 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 1 direct deposit / ACH credit, bill pay or ACH payment transaction post and settle
  • Have at least 15 Point of Sale debit card purchases post and settle
  • Be enrolled in and agree to receive E-Statements

Simple, right? And even if you don’t meet your qualifications during the cycle, your Kasasa Cash account is still completely free. Plus, you’ll still earn our base dividend rate. Then you can get right back to earning your full rewards the very next month!

Kasasa Cash 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 account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH payment, or bill pay transaction(s)
  • At least 15 point of sale debit card purchases
  • Be enrolled in and have agreed to receive e-statements rather than paper statements

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 financial institution as ATM transactions; PIN-based, signature-based transactions, non-retail payment transactions and purchases made with debit cards not issued by our financial institution. 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 banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle. See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates. "Banking Day" means any business day on which an office of the financial institution is open to the public for the purpose of carrying out substantially all of its banking functions. "Business Day" means a calendar day other than a Saturday or a Sunday and all Federal Holidays. "Statement Cycle" means the period of time for which our financial institution provides a summary of the financial activities and transactions that post and settle to the accountholder's account. See our website or contact one of our branch service representatives for specific Statement Cycle dates.

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $10,000.00 in your Kasasa Cash account earn an dividend rate of 3.923% resulting in an APY of 4.00%; and daily balances over $10,000.00 earn an dividend rate of 0.10% on the portion of the daily balance over $10,000.00, resulting in a range from 4.00% to 0.45% APY depending on the account's daily balance.

You will receive reimbursements up to an aggregate total of $20.00 ($4.99 per single transaction) for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle in which you qualified. 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 dividend rate earned on the account's entire daily balance will be 0.01% resulting in an annual percentage yield of 0.01% and ATM withdrawal fees are not refunded.

Dividends 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. APY calculations are based on an assumed balance of $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; 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. APYs accurate as of 10/01/2023. If the account is closed before rewards are credited, you will forfeit the rewards.

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. Monthly receipt of electronic statements is a condition(s) of this account. If you do not maintain e- Statements on this account, we reserve the right to convert your account to the Kasasa InControl account. See accompanying Miscellaneous Fees and Charges schedule 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 1 account(s) per social security number/individual taxpayer identification 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 service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.