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Free Kasasa Cash Checking

Some people have this crazy notion that you have to have a lot of money to make more. Well, they obviously haven't heard of free Kasasa Cash® checking. First of all, there's no monthly service fee. Instead, you earn money in the form of really high dividends and refunds on ATM fees nationwide.* Score!

Sign up for our Online Banking, Bill Pay, and eStatements, for a front row seat to watch your balance build. Do you Kasasa®?

Summary
  • Really high, tiered rates that boost your balance
  • 2.75% APY* on balances up to $10,000
  • 0.01% on balances over $10,000 resulting in a blended rate of 2.75% to 0.34% APY on entire account balance*
  • 0.01% APY if qualifications aren't met
  • Can be linked to high-dividend Kasasa Saver® account
  • Refunds on ATM fees nationwide (up to $10 per monthly qualification cycle)*
  • No minimum balance to earn rewards
  • No monthly service fee
  • Unlimited check writing
  • Free Online Banking
  • Free Online Bill Pay (when enrolled in eStatements)
  • Free Mobile Banking
  • Free eStatements
  • Free MagMoney Visa® debit card
  • Access your account at branches all over the nation, through Shared Branching
  • 24/7 funds access through our partner ATM networks
  • No minimum deposit to open

Earning Rewards is Easy!

Get started with four simple things you'd probably do anyway. To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Have at least 1 direct deposit or automatic payment (ACH Debit or Credit) post and settle
  • Receive monthly eStatements

If you don't happen to meet the qualifications for this time around, don't worry! Your account is still free and you still earn our base rate. You can get back to earning your full rewards the very next monthly qualification cycle.

*APY=Annual Percentage Yield. APYs accurate as of 01/01/16. Rates may change after account is opened. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $10 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive 2.75% APY; and (3) balances over $10,000 earn 0.01% interest rate on portion of balance over $10,000, resulting in 2.75% - 0.34% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.01% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. "Monthly Qualification Cycle" means a period beginning one-day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding dividends. Dividends earned in Kasasa Cash are automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual dividend amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count towards qualifying debit card transactions. Limit one account per SSN. Commercial accounts may not participate in this program. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.