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Free Kasasa Cash® Checking

Earn 3.00% on your Kasasa Cash balance every month!*

(Because we think you should get some of what’s made off of it.)

One of our newest additions to our checking options, Kasasa Cash, is a free account that pays really high dividends on your monthly balance. It also offers great rewards like refunds on your ATM withdrawal fees, nationwide.* Contact us today to learn more and apply.


  • Free checking that pays high dividends
  • 3.00% APY* on balances up to $30,000
  • 3.00% to 0.88% APY on balances over $30,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free digital banking, including:
    • Online banking with bill pay
    • Free mobile banking
    • Free e-statements
  • Free Harvesters VISA® Debit Card
  • No minimum deposit to open


It’s Easy to Earn Your Kasasa Cash Rewards

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

  • At least 12 debit card purchases
  • At least 1 ACH credit or ACH payment transaction
  • Be enrolled in, and log into, online banking

And that’s it. Even if you don’t meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you’ll still earn our base dividend rate and can get right back to earning your full rewards the very next month!

View our qualification cycle here .

Kasasa Cash


When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $30,000.00 in your Kasasa Cash account earn a dividend rate of 2.9600% resulting in an APY of 3.000%; and daily balances over $30,000.00 earn a dividend rate of 0.25% on the portion of the daily balance over $30,000.00, resulting in a range from 3.000% to 0.880% APY depending on the account's daily balance. You will receive reimbursements up to an aggregate total of $25.00 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 Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.05% resulting in a non-compounding annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Dividends will be credited to your Kasasa Cash account on the first processing day of the following statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing day of the following statement cycle. APY = Annual Percentage Yield. APY calculations are based on an assumed balance of $30,000.00 + $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. 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.