Kasasa Cash Checking

Kasasa Cash Checking

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Kasasa Cash® Checking is a free checking account that literally pays you to bank with us!

If you keep a higher average monthly balance in your checking account and want to earn higher dividends, Kasasa Cash® is the perfect free rewards checking account for you. Simply make 12 signature-based Debit card purchases per cycle, and log into online banking at least once per cycle and you qualify for great rewards! Did we mention there are no penalties if you don’t meet your qualifications? You’ll just earn our standard APY for that month and try again next month!

  • Free checking that pays high dividends
  • 3.50% APY* on balances up to $25,000
  • 3.50% to 1.10% APY on balances over $25,000 depending on balance in account*
  • 0.05% APY* if qualifications aren’t met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free online banking & Online Bill Pay**
  • Free eStatements*
  • Free mobile banking
  • Free debit card
  • Free telephone banking
  • $25 minimum deposit to open

Plus, watch your savings grow without lifting a finger when you add Kasasa Saver®.

Earn higher dividends and automatically save your Kasasa Cash® or Cash Back® rewards in this free add-on savings account. The Kasasa Saver® account is linked to your Kasasa checking account, and any rewards you earn are automatically swept into Saver at the end of each rewards cycle.
Also, there are no additional qualifications for Kasasa Saver (should you choose to add it to your Kasasa checking). Simply meet the  monthly qualifications in your Kasasa Cash checking, and you’ll earn the higher Kasasa Saver rate!

*APY = Annual Percentage Yield. APYs accurate as of 01/01/2023
**Fees may apply to Online Bill Pay service

The Details
Cycle Date Information
The Details

Kasasa Cash® pays a higher dividend on checking account balances as a reward for doing what you already do: using your Debit card and online banking! Simply use your Debit card to make 12 signature-based purchases per month, and log in to online banking at least once per month. That's it! If you don't meet the qualifications this month, don't worry- you will just earn 0.05% APY this month and you can try again next time!


If qualifications are met: Earn 3.50% APY* on balances up to $25,000; earn 0.50% APY on portion of balance over $25,000

If qualifications are not met: earn 0.05% APY on total balance


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. "Monthly Qualification Cycle" means the current statement cycle. Contact one of our member service representatives for specific Monthly Qualification Cycle dates.

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $25,000 in your Kasasa Cash account earn a dividend rate of 3.44% resulting in an APY of 3.50%; and average daily balances over $25,000 earn a dividend rate of .50% on the portion of the average daily balance over $25,000, resulting in a range from 3.50% to 1.10% APY* depending on the account's average daily balance. 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 dividend rate earned on the account's entire average daily balance will be .05% resulting in an annual percentage yield of .05% 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. APYs accurate as of 01/01/2023. 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.

*Blended APY Range of 3.50% to 1.10% is an example of rates for account balances up to $125,000; actual blended APY on statements may vary based on total account balance.

Additional Information: Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open this account. A fee may apply if account is closed within 90 days of opening. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our member service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Accounts insured up to $500,000. American Share insurance insures each account up to $250,000. Excess Share Insurance Corporation provides up to an additional $250,000 of insurance per account. This institution is not federally insured. MEMBERS’ ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT-SPONSORED AGENCY. Trademarks: Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Cycle Date Information

Cycle Date Information: The following dates apply to our Kasasa account(s). Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. Please refer to your account's Truth In Savings disclosure for your account's specific qualification requirements. To qualify for your account's rewards, all of your account's qualifying transactions must post and settle to your specific Kasasa account within the Monthly Qualification Cycle dates stated below. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning your account's rewards. 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 your account's rewards.

MonthYearMonthly Qualification Cycle BeginMonthly Qualification Cycle EndStatement Cycle BeginStatement Cycle End

Future Monthly Qualification Cycle and Statement Cycle dates for our Kasasa accounts will be available to you via our website or through one of our Service Representatives within one of our branches.