Looking for a free rewards checking account? With Kasasa Cash Checking, we pay you to bank with us! Earn a competitive interest rate on your checking account balance.



Key Features

  • Competitive Interest Earnings
  • Refunds on ATM Withdrawal Fees*
  • No Monthly Maintenance Fee

What is a Kasasa Cash Checking Account?

This free, interest-bearing checking account offers a variety of benefits:

  • Free checking that pays competitive interest
  • 1.20% APY* on balances as much as $20,000
  • 1.19% to 0.28% APY on balances over $20,000 depending on balance in account*
  • 0.01% APY* on all balances if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Link to free Kasasa Saver® to build savings automatically
  • Free Visa® debit card
  • Free digital banking, including:
  • Free notary service
  • $25 minimum deposit to open

How to Earn Checking Rewards

In addition to earning interest on your checking account balance, you can also earn rewards! To earn your rewards, simply complete the following activities and transactions in your Kasasa Cash Checking 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

And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base interest rate. And you can get right back to earning your cash rewards the very next cycle that you qualify.

Open An Interest Checking Account!

Are you ready to open a Kasasa Cash Checking Account? Have questions about interest checking? You can open a free 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: 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. Monthly 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 conditions 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. 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: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $20,000.00 receive APY of 1.20%; and balances over $20,000.01 earn 0.05% interest rate on the portion of balance over $20,000.01, resulting in a range from 1.19% to 0.28% APY depending on the account’s balance. When Kasasa Cash qualifications are not met, all balances in the account earn 0.01% APY. No cash back payments are made. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APY is accurate as of 12/29/23.

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 account. Limit 1 account(s) per social security number. There are no recurring monthly service charges or fees to open or close this account. Rates and rewards are variable and may change after account is opened without notice to you.

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. A Kasasa Cash or Cashback account is required to open a Kasasa Saver 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. Fees may reduce earnings. Member FDIC

Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.