Kasasa Cash

Take back your banking — Kasasa Cash is free checking that pays you in ways that matter. Earn a high 2.50% APY* on your balance, along with up to $20 in ATM fee refunds* each month.

All you have to do is meet some easy qualifications — even if you don't meet the qualifications, your account is still free! Plus, you can connect Kasasa Cash to a Kasasa Saver® free savings account to grow your earnings automatically. Do you Kasasa?®

  • 2.50% APY* on balances up to $10,000
  • 2.50% to 0.45% APY on balances over $10,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • ATM fee refunds nationwide (up to $20 monthly)*
  • Can link to high-interest Kasasa Saver account
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking
  • Free online bill pay with direct deposit**
  • Free mobile banking
  • Free e-Statements
  • Free Visa® Check Card
  • Free MoneyDesktop
  • Unlimited check writing
  • Free 24-hour Telephone Banker
  • $100 minimum deposit to open
  • Four simple qualifications per period

*APY=Annual Percentage Yield. APYs accurate as of 10/21/2013. Rates may change after account is opened. Minimum to open is $100 for Kasasa Cash and $100 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.50%; and (3) balances over $10,000 earn 0.25% interest rate on the portion of the balance over $10,000, resulting in 2.50% -0.45% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

**Without direct deposit: $7.50 monthly charge for your first 15 transactions, plus $.45 for each additional transaction.


Earning your rewards is easy. To earn your rewards, simply do the following transactions and activities in your Kasasa Cash checking account each monthly qualification cycle:

  • Have at least 12 check card purchases post and settle
  • Be enrolled and receive e-Statement notice
  • Be enrolled and log into online banking
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle

And don't worry if you don't meet the qualifications one month — your Kasasa Cash account is still free, and you can go back to earning high interest and ATM fee refunds the very next cycle that you qualify.