Free Kasasa Cash Checking

Free checking that pays you in high interest and refunds on your ATM fees, nationwide.* 

Why pay for your money to sit around, when you can put it to work for free? With Kasasa Cash® checking, you earn high-interest and enjoy a ton of perks, just for doing things you probably already do.

No monthly fees mean your money stays where it belongs — earning really high interest. Never worry about finding an ATM again, thanks to refunds on ATM fees nationwide!* Connect Kasasa Cash® to a free Kasasa Saver® account for even greater earnings. Make the most of your money — open your free Kasasa Cash® checking account today!

Summary
  • Free checking that pays high interest
    • 2.25% APY* on balances up to $20,000
    • 2.25% to 0.57% APY on balances over $20,000 depending on balance in account*
    • 0.01% APY* if qualifications aren't met
  • ATM fee refunds nationwide (up to $20 monthly)*
  • Can link to high-interest Kasasa Saver account
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking & bill pay
  • Free eStatements
  • Free mobile banking with mobile deposit
  • Free Visa® debit card
  • $25 minimum deposit to open
  • Kasasa Protect™ - Comprehensive fraud protection available at a discounted rate

Earning Rewards Is Easy

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

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

It's as simple as that. If you don't qualify, don't worry. Your account is still free and still earns our base interest rate. You can always get back to earning rewards the next cycle.

After opening a new account you may sign up for our Online and Mobile Banking services immediately, however transfers from the new account by phone or through Online or Mobile Banking cannot be made until 30 calendar days after account opening.

*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 our 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 receive APY of 2.25%; and balances over $20,000 earn 0.15% interest rate on the portion of balance over $20,000 resulting in a range from 2.25 to 0.57% APY depending on the account’s balance and (2) you will receive reimbursements up to $20 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $5.01 or higher. When Kasasa Cash qualifications are not met, all balances in the account earn 0.01% APY and ATM fees are not refunded. Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of statement cycle. APY = Annual Percentage Yield. APYs accurate as of 2/01/17. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open the account. Monthly enrollment in online banking, receipt of electronic statements is are condition(s) of this account. Enrollment in electronic services (e.g. online banking, mobile banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of BancVue, Ltd., registered in the U.S.A.