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Free Kasasa Cash® Checking

Earn really high rates, and refunds on ATM withdrawal fees, nationwide.* It’s your cash — Take it back.

Enroll Today
Take Back Banking with Kasasa Cash

Get Free Checking That Pays

Local banking supports our Community. Kasasa® rewards you for it!

We offer Kasasa accounts because they understand the importance of community banking. When you bank here, you’re putting money back into our local economy — not the bottomless pockets of Megabanks. Kasasa believes taking back that control deserves cash rewards.

Kasasa Cash includes:

  • Free checking that pays high dividends
    • 2.00% APY* on balances up to $10,000
    • 2.00% to 0.27% 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 $4.99 per refund)
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free Online Banking
    • Free Bill Pay
    • Free eStatements
  • Free Mobile Banking
    • Free Mobile Deposit
  • Free debit card
  • $25 minimum deposit to open

How to Qualify

It’s easy! Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash checking account during each Monthly Qualification Cycle:

  • At least 10 debit card purchases
  • At least 1 direct deposit, ACH credit, or ACH payment transaction[s]
  • Be enrolled in and agree to review e-Statements

Note: First cycle automatically qualifies

That’s it! Even if you don’t meet your qualifications during the cycle, your Kasasa Cash checking account is still free, and you’ll still earn our base dividend rate. Plus, you can get right back to earning your full rewards the very next month.


Enroll Today

Become a member and ask for Kasasa Cash.

Join online or stop by any branch.


Kasasa FAQs

The Monthly Qualification Cycle goes from the last day of the month to the next to last day of the next month. Monthly Qualification Cycle dates are not the same as our Statement Cycle dates.

Cycle BeginsCycle Ends
December 31January 30
January 31February 27  (February 28 during leap year)
February 28 (February 29 during leap year)March 30
March 31April 29
April 30May 30
May 31June 29
June 30July 30
July 31August 30
August 31September 29
September 30October 30
October 31November 29
November 30December 30

To qualify for your account’s rewards, all of your account’s qualifying transactions must post and settle to your Kasasa Cash account within the Monthly Qualification Cycle dates stated above. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning your account’s rewards. 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 your account’s rewards.

  • Have at least 10 debit card purchases post and clear
  • Have at least one direct deposit or ACH automatic debit post and clear
  • Receive eStatements
  • A lower dividend rate is paid
  • ATM surcharge fees are not reimbursed
  • There is no penalty and the account is still free
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