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Options Kasasa Cash® Kasasa Cash Back® Choice Checking
Best For Earning High Interest* Debit Card Transactions* Non Primary Checking
  • 2.00% APY on balances up to & including $25,000
  • 2.00% to 0.25% APY on balances over $25,000
  • 0.03% APY on entire balance when qualifications are not met
  • 3.00% cash back on debit card purchases
  • No category restrictions on purchases
  • Cash back earned on up to $300 in purchases monthly
  • Earn up to $108 cash back per year, or up to $9 per month
  • Interest earning
  • Cashier's checks and money orders****
Debit Card
Online Banking w/Bill Pay
Mobile Banking
Apple/Android/Samsung Pay
Choice Benefits** Available Available Available
Overdraft Transfer Privilege on Qualifying Accounts*** Available Available Available
Line of Credit Overdraft Protection*** Available Available Available
Monthly Service Fee $0 with no minimum balance $0 with no minimum balance $0 with no minimum balance
Refund on ATM Withdrawal Fees Up to $25 monthly* Up to $25 monthly* N/A
Minimum Opening Deposit $25 $25 $25
  Open Account Open Account Open Account

** Subscribe for a fee
*** Application required
**** Limit 6 per month

*Qualification Information:

To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

- At least one (1) direct deposit or ACH credit transaction(s)
- At least 12 PIN-based / signature-based debit card purchases or more
- Be enrolled in and have agreed to receive e-statements only rather than paper statements

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 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) business day prior to the first day of the current statement cycle through one (1) business day prior to the last business day of the current statement cycle.

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

*Reward Information:

Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:

Kasasa Cash: daily balances up to and including $25,000 receive an APY of 2.00%; and daily balances over $25,000 earn an interest rate of 0.249% on the portion of the daily balance over $25,000, resulting in a range from 2.00% to 0.25% APY depending on the account's daily balance.

Kasasa Cash Back: you will receive 3% cash back on up to a total of $300 PIN-based / signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $9 cash back payments may be earned per Monthly Qualification Cycle.

You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash or Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.

Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and:

Kasasa Cash: the entire daily balance in the Kasasa Cash account earns 0.03% APY.

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

Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of 2/5/2021.

APY calculations are based on an assumed balance of $25,000 + 9,999,999,999 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; rates may change 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 and by institution.

A $25 minimum deposit is required to open the account.

Monthly Direct Deposit/ACH credit and enrollment in eStatements are conditions of the account.

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

Limit of one (1) account per customer/Tax ID.

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.

Contact one of our customer service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Member FDIC.


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

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