Make shopping a lot more fun—and rewarding—with this free cash back checking account.

Key Features

  • Cash Back on Debit Card Purchases
  • Refunds on ATM Withdrawal Fees^
  • No Monthly Maintenance Fee

What is Kasasa Cash Back Checking?

This checking account is totally free and pays you back for purchases you make with your Visa® debit card. You also get rewards like ATM fee refunds, free notary service, and free digital banking tools, such as Online Banking, Online Bill Pay, Mobile Banking with Mobile Deposit, and eStatements. There is no monthly maintenance fee and no minimum balance requirement to earn rewards. All you need is a $25 minimum deposit to open your account and You can also link to free Kasasa Saver® to build your savings automatically.

How Does Cash Back Checking Work?

Get 4.00% cash back on up to $250 in debit card purchases each month. That works out to $120 cash back annually or $10/month. What would you do with an extra $120 a year? Best of all, there are no category restrictions. So, whether you’re buying groceries or splurging on a fun purchase, you’ll earn your cash back all the same.

How I Do Earn Checking Rewards?

Earning rewards is easy! To earn your rewards, simply complete the following activities and transactions in your Kasasa Cash Back Account:

  • Have at least 12 debit card purchases post and settle each qualification cycle
  • Be enrolled and receive e-statement notice each qualification cycle
  • Be enrolled and log into online banking or mobile banking at least once each qualification cycle

Open a Cash Back Rewards Checking Account

Are you ready to open a Kasasa Cash Back Checking Account? Still have questions? You can open a new checking account online in minutes or visit your nearest branch location in Clarks Summit, Scranton, Taylor, Honesdale, or Mount Pocono, PA.

Need more checks? Order more online.


You can also make the switch to Citizens Savings Bank today with our handy switch kit (PDF).


*Qualification Information: Qualifications vary by account. To earn your rewards just do the following transactions and activities in your Kasasa account during each Monthly Qualification Cycle: Have at least 12 PIN-based, signature-based debit card purchases post and settle. Enrollment in electronic services (e.g. online or mobile banking, electronic statements) and log-ons are required to meet some of the account’s qualifications and are requirements of this account. 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. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. For example, five debit card transactions, each for a dollar, conducted at a convenience store, two days before the end of the cycle period would not be considered by our institution as normal, day-to-day spending behavior. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by Citizens Savings Bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank.

“Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: Rewards vary by account. When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 4% cash back on up to a total of $250.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back may be earned per Monthly Qualification Cycle. When Kasasa Cash Back qualifications are not met, no cash back payments are made. Cash back payments will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. Rates and rewards are variable and may change after account is opened without notice to you. 

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $25.00 minimum deposit is required to open the Kasasa Cash Back account. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. 

In addition, you will receive reimbursements up to $20.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $5.01 or higher. In order to open a Kasasa Saver account, you are required to have a Kasasa Cash or Kasasa Cashback account. A linked Kasasa Saver account is required for automatic savings. Contact one of our customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC.

Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A. Accurate as of 12/29/23.