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Get paid to go shopping — and never pay a single service fee — with free Kasasa Cash Back® checking.

Cycle and Statement Disclaimer

  • Free checking that pays you back
  • 3.00% cash back on debit card purchases*
  • No category restrictions on purchases
  • Cash back earned on up to $500 in purchases monthly
  • Earn up to $180 cash back per year, $15 per month
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
  • Unlimited monthly transactions
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free Online Banking & Bill Pay
  • Free E-Statements
  • Free Mobile Banking with Mobile Deposit
  • Access to Person-to-Person (P2P) Payments
  • Free CardValet™
  • Free Visa® Debit Card
  • $100 minimum deposit to open

It's Easy to Earn Cash Back

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 1 direct deposit/ACH credit, bill pay, or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive E-Statements

That's all. Don't sweat it if you don't meet your qualifications during the cycle — your Kasasa Cash Back account is still free. And you can get right back to earning your cash rewards the very next month.

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

  • Have at least 1 direct deposit / ACH credit, bill pay or ACH payment transaction post and settle
  • Have at least 12 Point of Sale debit card purchases post and settle
  • Be enrolled in and agree to receive e-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; PIN-based transactions, signature based 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 banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle. See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates. “Banking Day” means any business day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions. “Business Day” means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. “Statement Cycle” means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. See our website or contact one of our branch service representatives for specific Statement Cycle dates.

Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 3.00% cash back on up to a total of $500.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $15.00 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $20.00 ($4.99 per single transaction) for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle in which you qualified. 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 Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. 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. 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.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100.00 minimum deposit is required to open the account. Monthly receipt of electronic statements is a condition 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 1 account(s) per social security number/individual taxpayer identification 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. Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.