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  • Kasasa Cash Back

    Enjoy free checking with no monthly fees. You can earn up to $5.00 cash back and ATM fee refunds in your account.

    Learn More


How do you feel about free checking? More importantly, how do you feel about rates so high they're light-years ahead of the other checking accounts around?

Kasasa Cash offers free checking AND really high dividends. We'll even refund your ATM fees nationwide.* And don't worry — collecting your rewards is easy and consists of doing things you're probably doing already. It's enough to put you over the moon.


  • Free checking account that pays high dividends
  • Earn 2.00% APY* on balances up to $7,500
  • Earn 2.00% to 0.10% APY* on balances over $7,500 depending on balance in account
  • Earn 0.01% APY* if qualifications aren't met
  • Get refunds on ATM fees nationwide (up to $10 monthly)*
  • Link it to free high dividend Kasasa Saver® account
  • Have rewards transferred to Kasasa Saver for automatic savings
  • No minimum balance required to earn rewards
  • No monthly service charge
  • Free Online Banking
  • Free Bill Pay
  • Free Mobile Banking and Text Banking
  • Free MasterCard®debit card
  • Access to Surcharge-free ATMs
  • Access to Shared Branching
  • Free e-statements
  • Unlimited checking
  • $25 minimum opening deposit

How to Earn Your Rewards:

It's so easy to qualify; you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 15 debit card purchases clear
  • Be enrolled in eStatement notices
  • Have at least 1 automatic direct deposit (ACH) or online bill payment clear
  • Be enrolled and log into online or mobile banking at least once

That's it. If you don't qualify, there's still no monthly service fee and you still earn dividends at the base dividend rate. Plus, you get the opportunity to earn huge rewards the very next monthly qualification cycle! Check out our Kasasa Qualification Calendar to make sure you are on track!

Not sure which checking account is right for you?

Use this decision chart to help pick the best one! Or ask us, we'd love to help!

*APY=Annual Percentage Yield. Clearing account means item must post and settle. APYs and rates accurate as of 11/01/2014. Rates subject to change. Minimum to open is $25 for Kasasa Cash and $0 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) 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 $7,500 receive APY of 2.00% with a rate of 1.98%; and (3) balances over $7,500 earn 0.01% APY with a rate of 0.01% on the portion of the balance over $7,500, resulting in 2.00% - 0.10% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.01% APY with a rate of 0.01%. Qualifying transactions must clear Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to clear account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means the day after the end of the previous qualification cycle through the second to last business day of the current statement cycle. The advertised Kasasa Cash APY is based on compounding dividends. Dividends earned in Kasasa Cash are automatically deposited to Kasasa Saver at the end of each statement cycle. Actual dividend amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $25,000 in Kasasa Saver receive an APY of 0.35% with a rate of 0.35%; and (2) balances over $25,000 in Kasasa Saver earn 0.01% dividend rate with a rate of 0.01% on portion of balance over $25,000, resulting in 0.35% - 0.08% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.01% APY with a rate of 0.01%. Interest and incentives will be paid on the last day of the month and are subject to IRS reporting. Transfers between accounts do not count as qualifying transactions. Accounts closed before the end of the qualification cycle forfeit that cycle's rewards. Limit one account per SSN.