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It really is true — earn up to 3.01% APY* on balances up to $25,000 with free Kasasa Cash® checking! That's cold, hard cash for doing a few banking basics you probably do already. Plus, we'll refund your ATM withdrawal fees, nationwide.* That means any ATM is now your ATM. Open your free Kasasa® checking account today.

  • Free checking that pays high interest
    • 3.01% APY* on balances up to $25,000
    • 3.01% to 0.80% APY on balances over $25,000 depending on balance in account*
    • 0.01% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $15 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking & bill pay
  • Free eStatements
  • Free mobile banking with mobile deposit
  • Free MasterCard® debit card
  • Unlimited check writing
  • $25 minimum deposit to open

It's Easy to Qualify.

To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 ACH credit or ACH payment transaction post and settle

And if you don't meet these qualifications, don't worry.

Your account is still free. You'll also still earn our base interest rate — and you can get right back to earning your full rewards the very next cycle that you qualify.

*$25 minimum deposit is required to open the Kasasa Cash checking account and $25 minimum deposit is required to open the Kasasa Saver account. APY = Annual Percentage Yield. APYs accurate as of 4/20/2017. Reward Information: when your linked Kasasa Cash checking account qualifications are met during a Monthly Qualification Cycle (MQC), the following rewards will be distributed to your account(s) on the last day of the monthly qualification cycle: Kasasa Saver: Balances up to $100,000 receive APY of 1.00%; and balances over $100,000 earn 0.25% APY, resulting in a range from 0.63% to 1.00% APY depending on the account's balance. Kasasa Cash checking account: Balances up to $25,000 receive a non-compounding APY* of 3.01%; and balances over $25,000 earn a non-compounding APY* of 0.10%, resulting in a non-compounding range from 0.80% to 3.01% APY* depending on the account's balance. Plus, your Kasasa Cash account will also receive reimbursements up to an aggregate total of $15 for nationwide ATM withdrawal fees imposed by us and other financial institutions and incurred during the MQC in which you qualified.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements may apply. Receipt of monthly electronic statements (eStatements) is a condition of this account. The Kasasa Cash checking account qualifications to be met during a Monthly Qualification Cycle are to have:

(1) twelve (12) debit card transactions posted to your account, and;

(2) one (1) monthly Direct Deposit or ACH credit/debit posted to your account

When Kasasa Cash checking account qualifications are not met during a Monthly Qualification Cycle (MQC), Kasasa Saver: All balances earn 0.05% APY. Kasasa Cash checking account: All balances earn a non-compounding APY* of 0.01% and ATM withdrawal fees are not refunded.

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. "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 close of the current statement cycle. *When linked to the Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account's balance is less than the transferred amount when transfer occurs. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Limit one (1) account per social security number. A Kasasa Cash with Saver checking account is required to have a Kasasa Saver account. The Kasasa Cash account must remain open throughout the period that you hold the Kasasa Saver account. In the event that you or we close your Kasasa Cash account, your Kasasa Saver account will be closed as well. If the account is closed, you will forfeit any rewards that have not been credited to your account. A linked Kasasa Saver account is required for automatic savings. The Kasasa Saver account has transaction limitations by regulation and does not allow more than six (6) withdrawals or transfers per calendar month. Accounts are for personal use only. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC.