Free Kasasa Cash® Checking

Cash in on free checking with high rates! With Kasasa® you’ll earn interest, paid each month with no minimum balance requirement. Plus, we’ll refund your ATM fees, nationwide.*

Add a Kasasa Saver® account and have your monthly Kasasa Cash rewards automatically transferred – so you save more money with less effort.

Account Summary

  • 2.50% APY* on balances up to $20,000
  • .25% to 0.63% APY on balances over $20,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • ATM fee refunds nationwide*
  • Can link to high-interest Kasasa Saver account
  • No minimum balance to earn rewards
  • No monthly service fees
  • Free online banking
  • Free e-statements
  • Free Visa® debit card
  • Unlimited check writing
  • $50 minimum deposit to open


How to Earn Rewards

It’s so easy to qualify, you’re probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least one ACH credit or debit transaction
  • Receive monthly e-Statements

That’s it. If you don’t qualify, there’s no monthly service fee and you still earn our base interest rate. Plus, you get the opportunity to earn your rewards the very next monthly qualification cycle!



*APY=Annual Percentage Yield. APYs accurate as of 7/14/2020. Rates may change after account is opened. Minimum to open is $50 for Kasasa Cash. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $20,000 receive interest at a rate of 2.50% with an APY of 2.53%; and (3) balances over $20,000 earn 0.25% interest rate on the portion of the balance over $20,000, resulting in range from 2.53% - 0.63% 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 in 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. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

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