Banking local has its perks. Earn up to 3.00% APY* by performing simple activities every month, like using your debit card.
- Really High Interest
- ATM Withdrawal Fee Refunds*
- Digital Banking
- Debit Card
- No-fee rewards checking that pays high interest
- 3.00% APY* on balances up to $15,000
- 3.00% to 0.61% APY on balances over $15,000 depending on balance in account*
- 0.01% APY* if qualifications aren't met
- Unlimited refunds on ATM withdrawal fees, nationwide*
- No monthly maintenance fees
- No minimum balance to earn rewards
- Digital banking services included:
- Online banking & bill pay
- Mobile banking with mobile deposit
- Visa® debit card included
- Overdraft protection available
- $25 minimum deposit to open
Bank Your Way to 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:
- At least 1 direct deposit, ACH credit, or ACH payment transaction
- At least 12 debit card purchases, each greater than $1.99
That's it. Even if you don't meet your qualifications during the cycle, you still won’t pay a monthly maintenance fee. Plus, you'll still earn our base interest rate. And 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 either at our bank or between our bank and other institutions, PIN-based or signature-based debit card purchase less than $2.00, credit card purchases, debit card purchases processed by merchants and received by our bank as ATM transactions, non PIN-based or signature based debit card 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. "Banking Day" means any business day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions. "Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. "Statement Cycle" means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Reward Information: You will receive the following rewards when you meet your accountâ€™s qualifications during a Monthly Qualification Cycle for each account, depending on which Kasasa account you have. The following are the rewards for each account. Kasasa Cash: daily balances up to and including $15,000 receive an APY of 3.00%; and daily balances over $15,000 earn an interest rate of 0.2497 resulting in 0.2500% APY on the portion of the daily balance over $15,000, resulting in a range from 3.00% to 0.61% APY depending on the account's daily balance. Kasasa Cash Back: you will receive 3.00% cash back on up to a total of $250.00 PIN-based or signature based debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back payments may be earned per Monthly Qualification Cycle. You will receive unlimited reimbursements 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. You may contact one of our Customer Service Representatives by phone, email, mail or come into one of our offices for a reimbursement. Interest will be credited to your Kasasa Cash 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, nationwide ATM withdrawal fees are not reimbursed and: Kasasa Cash: the entire daily balance in the Kasasa Cash account earns 0.01% APY. 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. APY = Annual Percentage Yield. APYs accurate as of 12/19/2018. APY calculations are based on an assumed balance of $15,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance (except as required for account opening) 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, and other requirements apply. $25.00 minimum deposit is required to open the account. Monthly e-statement is a condition of this account. Enrollment and acceptance of separate terms & conditions in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one (1) account per taxpayer identification number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your 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, Kasasa Cash and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.