Save money without breaking a sweat.

Automatic transfers and really high rates make growing your savings a cinch. 

Benefits You’ll Love

  • No minimum balance to earn interest
  • Competitive rates earned on your balance
  • Skip branch trips with digital banking
  • Automatic transfers from your Kasasa checking account

Kasasa Cash with Kasasa Saver:
Kasasa Cash: When qualifications are met during a Monthly Qualification Cycle, the average daily balances up to and including $15,000 in your Kasasa Cash account earn an interest rate of 2.227% resulting in an annual percentage yield (APY) of 2.25%. Average daily balances over $15,000 earn an interest rate of 0.499% resulting in a range from 2.25% to 0.73% APY, depending on the account's average daily balance.

Kasasa Saver: When Kasasa Cash qualifications are met during a Monthly Qualification Cycle, the average daily balances up to and including $25,000 in your Kasasa Saver account earn an interest rate of 0.995% resulting in an APY of 1.00%. Average daily balances over $25,000 earn an interest rate of 0.499% resulting in a range from 1.00% to 0.60% APY, depending on the account's average daily balance.

When Kasasa Cash or Cash Back qualifications are not met, ATM withdrawal fees are not refunded and the interest rate earned on the account’s entire average daily balance will be 0.05% resulting in an APY of 0.05%. The entire average daily balance in the Kasasa Saver account earns an interest rate of 0.05% resulting in an APY of 0.05%.

To earn your rewards, the following transactions and activities must post and settle to your Kasasa Cash, Cash Back, or Kasas Eats account during each Monthly Qualification Cycle:

  • At least 1 direct deposit or ACH credit transaction(s)
  • At least 20 debit card purchases, each greater than $5.00

Interest will be credited to your Kasasa Cash and Kasasa Saver account on the last day of the current statement cycle. Interest in Kasasa Cash does not compound because it is automatically transferred to the Kasasa Saver account within one day. Note: 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. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle then automatically transferred to the Kasasa Saver account within one day. If you close your account before the interest is credited, you will not receive the accrued interest. We use the average daily balance method to calculate the interest on your Kasasa Cash and Kasasa Saver account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly. For noncash items (for example, checks), interest begins to accrue on the business day of your deposit. You may make an unlimited number of deposits into your account.


*Kasasa Cash Back with Kasasa Saver:
Kasasa Cash Back: When qualifications are met during a Monthly Qualification Cycle, you will receive 3.00% cash back on up to a total of $200 PIN-based or signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $6 cash back payments may be earned per Monthly Qualification Cycle.

Kasasa Saver: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, the average daily balances up to and including $25,000 in your Kasasa Saver account earn an interest rate of 0.995% resulting in an APY of 1.00%. Average daily balances over $25,000 earn an interest rate of 0.499% resulting in a range from 1.00% to 0.60% APY, depending on the account's average daily balance.

When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. In addition, the entire average daily balance in the Kasasa Saver account earns an interest rate of 0.05% resulting in an APY of 0.05%.

Kasasa Cash Back: The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.

Kasasa Saver: Interest will be compounded monthly. Interest will be credited to your Kasasa Saver account on the last day of the current statement cycle. If you close your account before the interest is credited, you will not receive the accrued interest.

We use the average daily balance method to calculate the interest on your Kasasa Saver account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly. For noncash items (for example, checks), interest begins to accrue on the business day of your deposit. You may make an unlimited number of deposits into your account.


Kasasa Eats: When your Kasasa Eats account qualifications are met during a Monthly Qualification Cycle, you will receive 5% cash back on up to a total of $200 in debit card purchases, made at grocery stores and food delivery services identified at https://www.kasasa.com/eats-partners, that post and settle to your account during that cycle period. A maximum of $10 in cash back payments may be earned per Monthly Qualification Cycle. Your account's debit card may be used for any transaction but the account's cash back rewards are only valid at and only apply to debit card purchases made with one of our identified retailers. Please refer to https://www.kasasa.com/eats-partners or visit one of our locations for a current list Kasasa Eats merchants.

Kasasa Eats with Saver: In addition, average daily balances up to and including $25,000 in your Kasasa Saver account earn an interest rate of 0.9950% resulting in an APY of 1.00%; and average daily balances over $25,000 earn an interest rate of 0.4990% on the portion of the average daily balance over $25,000 resulting in a range from 1.00% to 0.60% APY depending on the account's average daily balance.

When your Kasasa Eats account qualifications are not met, no cash back payments are made, and ATM withdrawal fees are not refunded. In addition, the entire average daily balance in the Kasasa Saver account earns an interest rate of 0.0499% resulting in an annual percentage yield of 0.05% APY.


Additional Information for Kasasa Cash, Kasasa Cash Back, or Kasasa Eats: 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.

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, PIN-based or signature based debit card purchases less than $5, 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. "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 and all Federal Holidays. "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.

APY = Annual Percentage Yield. APY calculations are based on an assumed balance of $15,000 + $100,000 in your Kasasa Cash account and $25,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days. Balance computation methodology varies by account's qualifying status. 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. You will automatically qualify for the account's rewards during your account's first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.

This account is intended to be the accountholder's primary checking account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled. Commensurate with the spending activities identified above, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account's rewards and thus will be deemed inappropriate transactions and will not count toward earning the account's rewards. The Bank reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over three consecutive Statement Cycles. We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. If the account is closed, you will forfeit any rewards that have not been credited to your account. No deposits will be accepted and no checks will be paid after the account is closed. An official bank check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash, Kasasa Cash Back, or Kasasa Eats account, any optional add-on products/services associated with this account will also be terminated at the same time. A Kasasa Cash, Kasasa Cash Back, or Kasasa Eats account is required to have a Kasasa Saver account. If, for whatever reason the Kasasa Saver portion of your account is closed, your account will automatically be converted to the associated standalone Kasasa Cash. Kasasa Back, or Kasasa Eats  account and that account's terms and conditions articulated within their specific disclosure will apply. A linked Kasasa Saver account is required for automatic savings.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $50 minimum deposit is required to open this account. eStatement is a condition of the Kasasa Cash account. See accompanying schedule of Limits and Fees Disclosure for fees that may apply to 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 one 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.
Contact one of our bank service representatives for additional information. Member FDIC. Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Eats and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

 

Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Total interest paid $0

Kasasa Cash*

Tier Interest Rate APY
0 - $15,000 2.227% 2.25%
$15,000+ 0.499% 2.25% to 0.73%
Qualifications not met 0.05% 0.05%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • At least 1 direct deposit or ACH credit transaction
  • At least 20 debit card purchases, each greater than $5

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 really high interest and nationwide ATM fee refunds the very next month.

Kasasa Saver*

Tier Interest Rate APY
0 - $25,000 0.995% 1.00%
$25,000+ 0.499% 1.00% to 0.60%
Qualifications not met 0.05% 0.05%

Qualifications

Qualifying for Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate too. Simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • At least 1 direct deposit or ACH credit transaction
  • At least 20 debit card purchases, each greater than $5

It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.