We literally pay you to bank with us! With this account, you’ll get cash rewards just for doing banking basics.

Rates

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Key Features

  • Competitive Interest Earnings
  • Refunds on ATM Withdrawal Fees*
  • No Monthly Maintenance Fee
  • Free checking that pays competitive interest
  • 0.50% APY* on balances as much as $20,000 
  • 0.50% to 0.14% 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
  • Add Kasasa Protect® for comprehensive fraud protection
  • Free Visa® debit card
  • Free digital banking, including:
  • Free notary service
  • $25 minimum deposit to open

Earning Rewards Is Easy 

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash 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.

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. 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: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $20,000.00 receive APY of 0.50%; 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 0.50% to 0.14% 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 02/14/2022.

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.