Minimum opening balance is $100 unless otherwise stated. Monthly Maintenance Fee may be shown on your account statement as Service Charge.

1See current rate sheet for interest rates and APY.

2No minimum opening balance required. Personal and Executive Checking is automatically converted to Executive 50 checking on 50th birthday.

*Qualification Information:

To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your linked Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

At least 1 ACH credit or ACH payment transaction

At least 12 debit card purchases of $1.00 or more each

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 less than $1.00, debit card purchases processed by merchants and received by our bank as ATM transactions, PIN-based, signature based 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) 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. Please call one of our service representatives for specific Monthly Qualification Cycle dates at 314.434.4141

Reward Information:

Depending on what Kasasa account you have, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle:

Kasasa Cash:

If your daily balance is $25,000 or less, the interest rate paid on the entire daily balance will be 5.37% with an annual percentage yield of 5.50%**

If your daily balance is more than $25,000, the interest paid on the daily balance up to and including $25,000 will be 5.37% and the interest paid on the portion of the daily balance more than $25,000 will be 0.50% with annual percentage yields between 5.50%** and 1.75%*.

Interest is compounded monthly and credited on the last day of the current statement cycle.

* The lower range of the annual percentage yield is calculated assuming a daily balance of $100,000. The bank does not have a limit on the maximum amount that can be deposited.

** When linked to a Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day.

Kasasa Cash Back: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4.00% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back payments may be earned per Monthly Qualification Cycle.

Kasasa Cash & Kasasa Cash Back:

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash or 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. When your Kasasa Cash qualifications are not met, the interest rate earned on the account’s entire daily balance will be 0.10% resulting in an annual percentage yield of 0.10% 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. 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. Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made and Kasasa Saver: the entire daily balance in the Kasasa Saver account earns 0.10% APY. Interest will be credited to your Kasasa Saver and Kasasa Cash accounts on the last day of the current statement cycle. If Kasasa Cash or Kasasa Cash Back are linked to Kasasa Saver, the following also apply to Kasasa Cash: When linked to a Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account balance is less than the transferred amount when the transfer occurs. Kasasa Cash Back: When linked to a Kasasa Saver account, the cash back payments earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle. Reward Information: Depending on what Kasasa account you have, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle:

Kasasa Saver:

Daily Balances up to and including $50,000 earn a variable interest rate of 1.98% resulting in an APY of 2.00% and daily balances over $50,000 earn a variable interest rate of 1.00% resulting in an APY range of 2.00% – 1.49%. The lower range of the annual percentage yield is calculated assuming a daily balance of $100,000.

Interest is compounded monthly and credited on the last day of the current statement cycle.

The bank does not have a limit on the maximum amount that can be deposited.

When Kasasa Cash/Kasasa Cash Back Qualifications are not met:

Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made and Kasasa Saver: the entire daily balance in the Kasasa Saver account earns 0.10% APY.

Crediting of Interest:

Interest will be credited to your Kasasa Saver and Kasasa Cash accounts on the last day of the current statement cycle. If Kasasa Cash or Kasasa Cash Back are linked to Kasasa Saver, the following also apply Kasasa Cash: When linked to a Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account balance is less than the transferred amount when the transfer occurs. Kasasa Cash Back: When linked to a Kasasa Saver account, the cash back payments earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.

• APY = Annual Percentage Yield.
• APYs accurate as of May 16, 2024.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened 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. $100.00 minimum deposit is required to open the account. Monthly ACH credit and/or ACH payment transactions, enrollment in e-statements, and 12 debit card purchases (each of $1.00 or more) are a condition of this account. Enrollment in electronic services (e.g. e-statements) and log-ons may be required to meet some of the account’s qualifications. Limit of 1 account per Social Security Number. There are no recurring monthly maintenance charges or fees to open account. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Member FDIC. Trademarks: Experian is a registered trademark of Experian Information Solutions, Inc. Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Saver and Kasasa Protect are trademarks of Kasasa, Ltd., registered in the U.S.A.