Free, high-interest checking, ATM withdrawal fee refunds nationwide*, with no minimum balance required to earn rewards: that's Kasasa®, a whole new way to bank. Free Kasasa Cash® gives you total checking freedom, free online banking, and more, and doesn't have a monthly service fee! It only takes a $25 deposit to start earning big interest every month. Get started today!

  • Free checking that pays high interest
    • Earn 3.00% APY* on balances up to $15,000
    • Earn 3.00% to 0.25% APY on balances over $15,000 depending on balance in account*
    • Earn 0.10% APY* on entire balance if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly service fee
  • Unlimited transactions
  • Free online banking & bill pay
  • Free eStatements ($3.00 charge for paper statements)
  • Mobile banking
  • Free telephone banking 
  • Free debit card
  • Overdraft protection available
  • $25 minimum deposit to open


Earning the Kasasa rewards are so easy, you're probably already doing it! Simply use our free electronic services designed to make managing your money easier. Just do the following transactions and activities in Kasasa Cash each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 direct deposit or ACH payment transaction post and settle

If you don't qualify, don't worry. Your account is still free and you'll still earn our base rate. And you can get the Kasasa rewards back the very next cycle!

Will you be opening multiple products?

*APY=Annual Percentage Yield. APYs accurate as of 01/01/2018. Rates may change after account is opened. Minimum to open is $25. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during monthly qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 3.00%; and (3) balances over $15,000 earn 0.25% APY on portion of balance over $15,000, resulting in 3.00% - 0.25% APY depending on the balance. If qualifications are not met, all balances earn 0.10% APY. Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. "Monthly Qualification Cycle" is synchronous with your monthly statement cycle which is the first day of the month through the last day of the month. ATM-processed transactions and transfers between accounts do not count as qualifying transactions. ATM receipt may be required for reimbursement of an individual ATM fee of $5.00 or higher. Consumers Only. 

Special Update Regarding Zero Liability Benefit for ATM and debit card transaction conducted with a MasterCard branded card: Effective March 1, 2019, MasterCard will be enacting changes to their current zero liability policy for all MasterCard card issuers. As a result, in order to be covered under the zero liability limitation for unauthorized transactions, you must promptly report the loss or theft of your MasterCard branded card to your nearest Bank office or by calling 1-800-264-5578. As such your liability could be up to $500 if not reported within two (2) business days of discovery or your liability could be unlimited if reported after 60 days of the statement that shows the unauthorized transaction(s).