Free Checking That Pays You High Dividends and Refunds on ATM Withdrawal Fees, Nationwide*
Life gets even more rewarding with Kasasa Cash checking. This free checking account pays you for doing things you probably already do!
Unlike the big banks that make sure the rich get richer, we reserve high dividends for balances of $10,000 or less. Plus, you’ll get ATM withdrawal fee refunds all across the country!* Make even more of your money by linking Kasasa Cash to free Kasasa Saver®. Earn dividends, save money, do better — open your account today!
- Free checking that pays high dividends
- 3.00% APY* on balances up to $10,000
- 3.00% to 0.73% APY on balances over $10,000 depending on balance in account*
- 0.05% APY* if qualifications aren't met
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
- Can link to high-dividend Kasasa Saver® account
- No minimum balance to earn rewards
- No monthly service fee
- Free online banking
- Bill pay available (free when qualifications are met)**
- Free eStatements
- Free mobile banking
- Free Visa® debit card
- Unlimited check writing
- $50 minimum deposit to open
It’s Easy to Earn Rewards
To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:
- Have at least one Direct Deposit, ACH Credit or ACH payment transaction in your Kasasa Account
- Have at least 12 debit card purchases post and settle
- Be enrolled in and agree to receive eStatements
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base dividend rate. And you can get right back to earning your full rewards the very next month!
*APY=Annual Percentage Yield. APYs accurate as of 1/1/2019. Rates may change after account is opened. 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 account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 3.00%; and (3) balances over $10,000 earn 0.50% dividend rate on the portion of the balance over $10,000, resulting in 3.00% - 0.73% APY depending on the balance. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY, however no ATM refunds will be paid. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Have at least one Direct Deposit, ACH Credit or ACH payment transaction in your Kasasa account, a minimum of 12 POS debit card transactions, and receipt of electronic statements are conditions to qualify for the Cash reward each cycle period. 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 do 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. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Federally Insured by NCUA.
**Bill pay available at no monthly service fee with at least one online bill pay per month; $5.95 per month when requirement isn't met.