Finally! A free checking account that pays you — and not vice versa. Qualify for high interest rewards, plus nationwide ATM fee refunds* with Kasasa Cash®. Link it to our Kasasa Saver® account to build savings automatically. And enjoy free online and mobile services that let you bank here in Metro KC or anywhere there's internet!
Free Kasasa Cash
- Free checking that pays high interest
- 0.51% APY* on balances up to $10,000
- 0.51% to 0.09% APY on balances over $10,000 depending on balance in account*
- 0.05% APY* if qualifications aren't met
- View our current rates*
- See how much you can earn with our Kasasa Cash Calculator
- 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 service charge
- Free online banking & bill pay
- Free eStatements (required to open and maintain the account)
- Free mobile banking with mobile deposit
- Free telephone banking
- Free Visa® debit card
- Unlimited check writing
- $25 minimum deposit to open
It's Easy to Earn Your Rewards
It's so easy to qualify, you're probably already doing it! To earn your rewards, the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH credit, or ACH payment transaction(s)
- At least 10 debit card purchases, each $5.00 or more
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 interest rate. And you can get right back to earning your full rewards the very next month!
*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. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases less than $5.00, 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) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle.
Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle daily balances up to and including $10,000 in your Kasasa Cash account earn an interest rate of 0.51% resulting in an APY of 0.51%; and daily balances over $10,0000 earn an interest rate of 0.05% on the portion of the daily balance over $10,000, resulting in a range from 0.51% to 0.09% 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 interest rate earned on the account's entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 06/01/2023. Rates and rewards are variable and may change after account is opened. Fees pay reduce earnings.
Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25.00 minimum deposit is required to open the account. Receipt of electronic statements is a condition of this account. See accompanying schedule of Fees and Charges 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 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. If the account is closed, you will forfeit any rewards that have not been credited to your account. Contact one of our bank service representatives for additional information, 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.