Cash Back Checking

Make a deposit, manage your checking and savings, transfer funds, and more on the go.

Make money while you spend it.

Enjoy cash back on debit card purchases and Refunds on ATM Withdrawal Fees, Nationwide*

With free Kasasa Cash Back® checking, shopping is a lot more fun (and rewarding!). Earn 2.00% cash back on your debit card purchases up to $96 back per year ($8 per month).*

You’ll also get refunds on ATM withdrawal fees, nationwide — so you can get cash whenever you need it. Connect your account to a free Kasasa Saver® to make saving automatic. Open your account online now!


  • Free checking that pays you back
  • 2.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $400 in purchases monthly
    • Earn up to $96 cash back per year, $8 per month
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to free Kasasa Saver to build savings automatically
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking with bill pay
  • Free e-statements
  • Free mobile banking
  • Free debit card
  • Free telephone banking
  • No minimum deposit to open


Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking
  • At least 1 ACH transaction (can be a deposit, withdrawal, or bill pay)

And if you don’t meet these qualifications, don’t worry — your account is still free.

Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Earn your ATM fees back, too

Don’t worry. Free Kasasa® checking refunds your ATM fees, nationwide.* No matter which reward you choose!


Kasasa Products - Checking & Savings

Dividend Rates Effective September 1, 2021

 Dividend RateAnnual Percentage YieldMinimum Balance
Kasasa SAVER ($0-$50,000).99%1.00%None
Kasasa SAVER (over $50,000)0.29%0.53%-1.00%$50,000.01
Kasasa SAVER (Qualifications NOT met)0.05%0.05%None
Kasasa CASH ($0-$25,000)1.98%2.00%None
Kasasa CASH (over $25,000)0.29%0.64%-2.00%$25,000.01
Kasasa CASH (Qualifications NOT met)0.05%0.05%None
Kasasa CASH BACK0.00%0.00%None

View Disclosures

Kasasa Rewards Posting

MonthNeed Qualifications Completed ByRewards Posted
JanuaryJan 28thJan 29th
FebruaryFeb 25thFeb 26th
MarchMarch 30thMarch 31st
AprilApril 29thApril 30th
MayMay 27thMay 28th
JuneJune 29thJune 30th
JulyJuly 29thJuly 30th
AugustAugust 30thAugust 31st
SeptemberSeptember 29thSeptember 30th
OctoberOctober 28thOctober 29th
NovemberNovember 29thNovember 30th
DecemberDecember 30thDecember 31st