Free Kasasa Cash

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With Free Kasasa Cash® checking you can earn interest on your account balance, plus you'll receive ATM withdrawal fee refunds, nationwide.* 

Meet quick, easy qualifications each month to bring home your full rewards. There's no monthly service fees. There's no minimum balance requirement. 


  • Earn 1.26% APY* on balances up to $15,000
  • 1.26% to 0.34% APY on balances over $15,000 depending on balance in account*
  • Earn 0.01% APY* if qualifications aren't met
  • Get paid back ATM fees, nationwide (up to $25 monthly)*
  • Link a Free Kasasa Cash account to a Free Kasasa Saver account for free!
  • No minimum balance requirement
  • No monthly service fee
  • Free online banking & bill pay
  • Free mobile banking
  • Free eStatements
  • Unlimited check writing
  • $20 minimum deposit to open

It's Easy to Qualify

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 1 direct deposit or ACH payment transaction(s)
  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements rather than paper statements

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning the higher interest rate the very next cycle. 

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Free Kasasa Cash Checking
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 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. See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
Click here to view the Qualification Calendar.
*Reward Information:
When you meet your account's qualifications during a Monthly Qualification Cycle, daily balances up to and including $15,000 earn an interest rate of 1.25% resulting in an APY of 1.26%; and daily balances over $15,000 earn an interest rate of 0.20% on the portion of the daily balance over $15,000, resulting in a range from 1.26% to 0.34% APY depending on the account's daily balance. You 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. 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. When your qualifications are not met, nationwide ATM withdrawal fees are not reimbursed and the entire daily balance in the Kasasa Cash account earns an interest rate of 0.01% resulting in an APY of 0.01%. Interest and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 4/14/2021. APY calculations are based on an assumed balance of $15,000 + $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:
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. $20 minimum deposit is required to open the account. Monthly Direct Deposit/ACH credit or ACH payment and eStatement/paperless delivery enrollment are condition(s) of this 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 2 account(s) per Social Security Number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period. We reserve the right to convert the account to a regular checking account if the qualifying requirements are not met for over three (3) consecutive Statement Cycles. Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

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