Free Kasasa Cash® Checking

Choose free checking that pays high interest, and gives you rewards like refunds on ATM withdrawals, nationwide!* With our Kasasa Cash checking account, you can feel good knowing you’re keeping your money in your community —  and out of the hands of the megabanks. Kasasa® accounts are all about empowering you and the community with free accounts that will reward you simply for banking with us!


    • 5.50% APY* (UP TO $25,000)
    • 5.50% TO 1.75% APY (on balances over $25,000 depending on balance in the account)*
    • 0.10% APY* (even if qualifications aren’t met!)
Minimum Opening Balance
Monthly Maintenance Fee
How to Earn Your Rewards
Meet the Easy Qualifications Listed Below


It’s easy to earn your Kasasa Cash 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:

And that’s it! Even if you don’t meet your qualifications during the cycle, your Kasasa Cash account is still free, and you’ll still earn our base interest rate. Plus, you can get right back to earning your full rewards the very next month!

*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 $1.00, 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. 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. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle:

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. 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. 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.

  • APY = Annual Percentage Yield.
  • APYs accurate as of May 16, 2024.
  • APY calculations are based on an assumed daily balance of $100,000 in your Kasasa Cash account.


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 transactions (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 this 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: Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

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