Skip to content

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!

See Rates


  • Free checking that pays high interest
  • 0.75% APY* on balances up to $20,000
    • 0.75% to 0.19% 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.

Need to order more checks? Order online here!

*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 0.75%; 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 0.75% to 0.19% 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 10/01/2021.

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.

Why keep your rewards waiting?