Free Kasasa Saver® Account

Build your earned Kasasa® checking rewards every month automatically in this free, interest-earning account.

Key Features

Grows Savings Effortlessly
Earns High Interest

Links exclusively to free Kasasa Cash® or Kasasa Cash Back® checking



  • Free demand deposit account that builds your savings with ease
  • Links exclusively to free Kasasa Cash® or Kasasa Cash Back® checking
  • Kasasa Saver daily balance earns a high rate
  • No monthly maintenance fee
  • Easily manage money with free access to:
  • $100 minimum deposit to open


Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate. 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:

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

There’s no reason to worry if you don’t meet these qualifications. Your Kasasa accounts are still free, and you can still earn the base rate on your Kasasa Saver balance. Even more — you can get right back to earning your full rewards the very next cycle that you qualify.

Questions? 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 linked Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle - Daily balances below $20,000 in your Kasasa Saver account earn an interest rate of 1.98% resulting in an APY of 2.00% and daily balances equal to or greater than $20,000 earn an interest rate of 0.50% on the portion of the daily balance equal to or greater than $20,000, resulting in a range from 2.00% to 0.75% APY depending on the Kasasa Saver account's daily balance.

2When your linked Kasasa Cash or Kasasa Cash Back account qualifications are not met, the entire daily balance in the Kasasa Saver account earns an interest rate of .05% resulting in an annual percentage yield of .05% APY.

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

APY = Annual Percentage Yield.

APYs accurate as of 02/01/2023.

APY calculations are based on an assumed balance of $20,000 + $100,000 in your Kasasa Saver 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:

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

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.

A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account.

A linked Kasasa Saver account is required for automatic savings.

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.

Member FDIC.


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