Free Kasasa Cash® Checking

Earn a really high rate on your balance, plus refunds on ATM withdrawal fees, nationwide.*

Key Features

No Monthly Maintenance Fee
Earns High Interest

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For Under 18 to Apply


  • Free checking that pays a really high rate
  • 3.00% APY1 on balances below $10,000
  • 3.00% to 0.73% APY on balances $10,000 and over depending on balance in account1
  • 0.05% APY2 if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
  • No monthly maintenance fee
  • Easily manage money with free access to:
  • eStatements available first day after statement cycle
  • Free Debit Card with chip technology and SecurLOCK fraud prevention
  • Access to Zelle
  • $100 minimum deposit to open


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

  • Be enrolled in and agree to receive eStatements
  • At least 12 debit card purchases

Don't worry if you don’t meet qualifications — your account is still free, and you can still earn the base rate. Plus, you can get right back to earning your full rewards the very next cycle that you qualify.

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Please contact one of our representatives for more information.

Qualification and Statement Cycles

Qualification Information:

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 the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit or credit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.

Contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

Reward Information:

1When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances below $10,000 in your Kasasa Cash account earn an interest rate of 2.960% resulting in an APY of 3.00%; and daily balances equal to or greater than $10,000 earn an interest rate of 0.50% on the portion of the daily balance over $10,000, resulting in a range from 3.00% to 0.73% APY depending on the account's daily balance.

2When your Kasasa Cash qualifications are not met, the interest rate earned on the account's entire daily balance will be .05% resulting in an annual percentage yield of .05% and ATM withdrawal fees are not refunded.

3You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. When the withdrawal information the bank receives does not identify the amount of the ATM withdrawal fee, we will reimburse withdrawal fees based on estimates. Nationwide ATM withdrawal fees of $4.99 or less that are incurred during the qualification cycle will be reimbursed and credited to the account on the last day of the monthly qualification cycle. An ATM transaction receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the ATM transaction receipt within sixty (60) calendar days of the withdrawal transaction.

Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle.

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of 02/02/2024

APY calculations are based on an assumed balance of $10,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

Qualifications, rates, rewards, fees, account specifics and restrictions may vary by account.

$100 minimum deposit is required to open the account.

12 debit card transactions and enrolling in E-statements are condition(s) of these account(s).

Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications.

There are no recurring monthly maintenance charges or fees to open or close this account.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. Advertised information and rewards are based on all account qualifications being met during each cycle period.
This account is not to be used for commercial purposes and there is a limit of one account per social security number.
Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

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Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.