Massive interest, no minimum balance, nationwide ATM refunds
Get the massive interest you deserve with free high-interest checking that pays you cash.
- 2.00% APY* on balances up to $25,000
- 2.00% to 0.60% APY on balances over $25,000 depending on balance in account*
- 0.05% APY* if qualifications aren't met
- No monthly service charge
- FREE telephone and internet banking with FREE online bill pay
- FREE ATM/Debit card with Advantage Points Program
- No fee nationwide ATM use for qualifying accounts*
- No per check charges
- $750.00 overdraft privilege for qualified customers†
- $25.00 minimum deposit required to open account
- Combine with Kasasa Saver for even more benefits
*APY=Annual Percentage Yield. APYs are accurate as of April 27, 2017. Variable rate account. Interest rates are determined at the Bank’s discretion and are subject to change at any time. If qualifications are met each monthly qualification cycle: (1) Unlimited national ATM fees posted and settled during monthly qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances from $.01 up to $25,000 earn 1.98% interest rate, resulting in an APY of 2.00%; and (3) balances over $25,000 earn 0.25% interest rate on portion of balance over $25,000, resulting in 2.00% – 0.60% APY depending on balance in account. If qualifications are not met, all balances earn an interest rate and APY of 0.05% and account does not receive ATM fee reimbursements for that period.
To qualify you must have at least 1) 10 posted and settled Debit Card transactions. (ATM transactions and debit card transactions processed as ATM transactions do not count towards qualifying debit card transactions) 2) Be enrolled in, receive and review eStatements 3) Have 1 direct deposit or automatic payment (ACH) post and settle during the monthly qualification cycle (transfers between accounts within our bank or via on-line banking do not count towards qualifying ACH or bill pay transactions). 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” means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Monthly statement cycle is not the same as monthly qualification cycle. If monthly qualifications are not met, this account will still function as a free account, with no monthly service fee. Minimum to open account is $25. No minimum balance required to earn rewards or maintain account. If account balance is 0.00 or less for 60 consecutive days the account will be closed. If you close out your account within 6 months of the opening date you may be charged a $10 closing fee. Available as a personal account only. Limit one account per tax identification number. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
Click here for Qualification Period Calendar
† If you use Overdraft Privilege, you will be charged a $27.00 insufficient funds charge for each item. The following categories of transactions for which such a fee may be imposed are: for the payment of overdrafts created by check, in-person withdrawal, or electronic means. You would be required to repay any overdraft created by using your Overdraft Privilege within 30 calendar days to remain in good standing. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example; we typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts.
Kasasa Cash gets even better when paired with Kasasa Saver!