Now it truly pays to bank local
Get free checking that puts more money in your pocket with every debit card purchase.
Benefits You'll Love
- Earn 2.00% cash back on debit card purchases*
- Up to $96 cash back per year
- No monthly service fee
- Free checking that pays cash back
- 2.00% cash back on debit card purchases*
- No category restrictions on purchases
- Cash back earned on up to $400 in purchases monthly
- Earn up to $96 cash back per year, $8 per month
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
- Link to free Kasasa Saver® to build savings automatically
- No monthly service fees
- No minimum balance to earn rewards
- Access your account through Digital Banking
- Mastercard® debit card included
- $25 minimum deposit to open
Bank locally. Get paid. It’s that easy.
Earning your rewards is as simple as using the free services that come with your account. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 1 ACH credit or ACH payment transaction
- At least 12 debit card purchases, each greater than $3.49
Go ahead — start earning. And if you don’t meet your qualifications during a cycle, you will still enjoy this account for free. Then you can get back to earning your rewards the very next month.
Click here to see the 2025 Qualification Cycle Schedule.
*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, internal transfers between accounts, debit card purchases less than $$3.50, 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 Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 2.00% cash back on up to a total of $400.00 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. You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your 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 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 processing day of the current statement cycle. 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. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25.00 minimum deposit is required to open the account. Monthly eStatements are a condition of this account. Enrollment 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(s) per social security number. There are no recurring monthly maintenance charges or fees to open or close 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 Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates of Deposit (<$100M)
Term | Rate | APY |
---|---|---|
3 months | 0.80% | 0.80% |
6 months | 1.75% | 1.76% |
12 months | 2.00% | 2.02% |
18 months | 2.50% | 2.53% |
24 months | 2.75% | 2.78% |
36 months | 3.00% | 3.04% |
48 months | 3.15% | 3.20% |
60 months | 3.25% | 3.30% |
Certificates of Deposit (>$100M)
Term | Rate | APY |
---|---|---|
3 months | 0.80% | 0.80% |
6 months | 1.80% | 1.81% |
12 months | 2.00% | 2.02% |
18 months | 2.55% | 2.58% |
24 months | 2.80% | 2.84% |
36 months | 3.05% | 3.09% |
48 months | 3.20% | 3.25% |
60 months | 3.30% | 3.35% |
Kasasa Cash*
Tier | Interest Rate | Annual Percentage Yield |
---|---|---|
0 - $50,000 | 5.37% | 5.50% |
$50,000+ | 0.50% | 2.17% to 5.50% |
Qualifications not met | 0.05% | 0.05% |
Qualifications
Earning your rewards is as simple as using the free services that come with your account. 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 ACH credit or ACH payment transaction
- At least 12 debit card purchases, each greater than $3.49
And if you don’t meet your qualifications during a cycle, your free account will still earn our base rate. Then you can get back to earning your full rewards the very next month.
Kasasa Saver*
Tier | Interest Rate | APY |
---|---|---|
0 - $100,000 | 4.65% | 4.75% |
$100,000+ | 0.50% | 2.63% to 4.75% |
Qualifications not met | 0.05% | 0.05% |
Qualifications
Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your 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, each greater than $3.49
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.
Money Market (Commercial)
Tier | Rate | APY |
---|---|---|
$0 - $99,999 | 0.225% | 0.225% |
$100,000 - $249,999 | 0.325% | 0.325% |
$250,000+ | 0.45% | 0.45% |
Money Market (Consumer)
Tier | Rate | APY |
---|---|---|
$0 - $99,999 | 0.225% | 0.225% |
$100,000 - $249,999 | 0.325% | 0.325% |
$250,000+ | 0.50% | 0.50% |
No Penalty CDs
Term | Interest Rate | APY |
---|---|---|
13 months | 0.35% | 0.35% |
Savings Accounts
Account | Rate | APY |
---|---|---|
Basic Savings | 0.35% | 0.35% |
Basic Business Savings | 0.35% | 0.35% |