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Kasasa Cash Back® Checking

Kasasa Cash Back® Checking

Choose this free checking account that pays cash back on debit card purchases — plus refunds on ATM withdrawal fees.^  

  • Free checking that pays you back  
  • Get 6.00% cash back on debit card purchases^  
  • No category restrictions on purchases  
  • Cash back earned on as much as $200 in purchases monthly 
  • Earn as much as $144 cash back per year, $12 per month^  
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)^  
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards 
  • No monthly maintenance fee  
  • No minimum deposit to open  
 Qualifications to Earn Cash Back 

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back® account during each Monthly Qualification Cycle: 

  • At least 15 debit card purchases 
  • At least 1 direct deposit or ACH payment or bill pay transaction
  • Be enrolled in and agree to receive eStatements 

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

Qualification Information: 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 less than an institution’s specified amount, 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. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.

Contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 6.00% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $12.00 cash back payments may be earned per Monthly Qualification Cycle.

In addition, daily balances up to and including $75,000.00 in your Kasasa Saver account earn an interest rate of 2.96% resulting in an APY of 3.00%; and daily balances over $75,000.00 earn an interest rate of .50% on the portion of the daily balance over $75,000.00, resulting in a range from 3.00% to 1.57% APY depending on the Kasasa Saver account's daily balance.

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.

When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. In addition, the entire daily balance in the Kasasa Saver account earns an interest rate of .05% resulting in an annual percentage yield of .05% APY.

Interest will be credited to your Kasasa Saver account on the last day of the current statement cycle.

The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Cash Back or Saver account on the last day of the current statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of December 1, 2023.

APY calculations are based on an assumed balance of $75,000.00 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

No minimum deposit is required to open the Kasasa Cash Back account.

No minimum deposit is required to open the Kasasa Saver account.

Monthly ACH Credit or Debit, fifteen (15) debit card purchases posted and settled and be enrolled in online banking and have agreed to receive e-statements are conditions of the account.

Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications.

Limit of one account per person.

There are no recurring monthly maintenance charges or fees to open or close this account.

A Kasasa Cash Back account is required to have a Kasasa Saver account.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Member FDIC.

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

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