Finally! A free checking account that pays you — and not vice versa. Qualify for high interest rewards, plus nationwide ATM fee refunds* with Kasasa Cash®. Link it to Kasasa Saver® to build savings automatically. Do you Kasasa?

  • Free, high interest checking account with rewards
  • 3.00% APY* on balances up to 10,000
  • 3.00% to 0.50% APY on balances over $10,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • Nationwide ATM fee refunds (up to $20 monthly)*
  • Link it to high interest Kasasa Saver
  • Interest rewards and ATM fee refunds transferred to Kasasa Saver to build savings automatically
  • No minimum balance to earn rewards — ever
  • No monthly service fee — ever
  • Free I-Bank online banking & bill pay
  • Free eStatements
  • Free MasterCard® debit card
  • $25 minimum deposit to open


To earn rewards, simply do the following each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive eStatement notice

If you miss a qualification cycle, don't worry! The account is still free. You can earn the reward interest rate and receive ATM fee refunds again the next cycle you qualify.


Kasasa Cash Calculator.

*APY=Annual Percentage Yield. APYs accurate as of 03/16/18. Rates may change after account is opened. Minimum to open is $25. 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 3.00% and (3) balances over $10,000 earn 0.50% interest rate on the portion of the balance over $10,000, resulting in 3.00%-0.50% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% 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 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. Actual interest amount paid may be less than advertised Kasasa Cash APY. ATM receipt must be presented for reimbursement of an individual ATM of $5.00 or higher. Limit one account per SSN.

APR = Annual Percentage Rate.

Fees may reduce earnings.

Kasasa Cash Rates

BalanceInterest RateAPY
Balances up to $10,0003.00%3.00%
Balances over $10,0003.00% to 0.50%3.00% to 0.50%
All balances if qualifications aren't met0.05%0.05%

To earn rewards, each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive e-statement notice