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Rates

Link your Kasasa® checking to this free account that pays a high rate and helps you save automatically.

Key Features

  • Automatic Rewards Transfers
  • High Interest
  • No Monthly Maintenance Fees
  • No Minimum Balance Requirements
  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash® or Kasasa Cash Back® checking
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
  • 0.75% APY* on balances up to $10,000
  • 0.75% to 0.25% APY on balances over $10,000 depending on balance in account*
  • 0.01% APY* if qualifications are not met in Kasasa Cash or Kasasa Cash Back
  • No monthly maintenance fees
  • No minimum balance to earn rewards
  • Kasasa Protect™ fraud protection available
  • Free digital banking
  • $25 minimum deposit to open

It’s easy to earn your rewards

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle: 

For Kasasa Cash with Kasasa Saver:

  • At least 1 direct deposit or ACH payment transaction
  • At least 10 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking 

For Kasasa Cash Back with Kasasa Saver:

  • At least 15 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.

*APY=Annual Percentage Yield. APYs accurate as of 4/3/2018. Rates may change after account is opened. Minimum to open is $25 for Kasasa Cash and $25 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.53%; and (3) balances over $10,000 earn 0.15% interest rate on the portion of the balance over $10,000, resulting in 2.53% - 0.37% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.01% APY. 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 day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest 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 $10,000 in Kasasa Saver receive an APY of 0.75%; and (2) balances over $10,000 in Kasasa Saver earn 0.20% interest rate on portion of balance over $10,000, resulting in 0.75% - 0.25% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.01% APY. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.