Why just bank when you can earn? Kasasa® offers free checking that pays and an account built for effortless savings. Now all you have to do is choose your rewards.

Kasasa Cash® Checking    Apply Now!  

Free checking that pays high interest

• $100 initial deposit
• 5.00% APY* on balances up to $10,000
• 0.50% APY on portion of balance over $10,000*
• 0.05% APY* if qualifications aren't met
• Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
• Link to free Kasasa Saver® to build savings automatically
• No minimum balance to earn rewards
• No monthly maintenance fees
  

Kasasa Cash Back® Checking    Apply Now!  

Free checking that pays you back

• $100 initial deposit
• 4.00% cash back on debit card purchases*
• No category restrictions on purchases
• Cash back earned on up to $250 in purchases monthly
• Earn up to $120 cash back per year, $10 per month
• Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
• Link to free Kasasa Saver® to build savings automatically
• No monthly maintenance fees
• No minimum balance to earn rewards

Kasasa Saver® Cash with Kasasa Saver     Cash Back with Kasasa Saver 

Free account that builds your savings effortlessly

• $100 initial deposit
• Links to free Kasasa Cash or Kasasa Cash Back checking
• Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
• 1.00% APY* on balances up to $25,000
• 0.25% APY on portion of balance over $25,000*
• 0.05% APY* if qualifications are not met in Kasasa Cash or Kasasa Cash Back
• No monthly maintenance fees
• No minimum balance to earn rewards

It’s Easy to Earn Your Kasasa Rewards

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

• At least 12 debit card purchases
• Be enrolled in and agree to receive eStatements
• Be enrolled in and log into online banking 

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Didn’t meet your qualifications one month? No problem. Your accounts are still free, and you’ll still earn the base rate for Kasasa Cash and Kasasa Saver. Then you can get back to earning your full rewards the very next month.

Regular Checking

• Minimum balance to open this account - You must deposit $100.00 to open this account.
  
• Minimum balance to avoid imposition of fees - A service charge fee of $10.00 will be imposed every statement cycle if the average daily balance for the cycle falls below $500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
  

My First Checking

• $50.00 initial deposit
  
• Must be age 21 or under
  
• NO monthly service charges
  
• One account per individual
  

My Elite Checking

• $50.00 initial deposit
  
• Must be over the age of 55 to open
  
• NO monthly service charges
  
• One account per individual

First Club

• $100 initial deposit
  
• NO minimum balance
  
• FREE 1st State Bank checks
  
• FREE money orders
  
• $10.00 monthly service charge 
  
• Click here for additional First Club Benefits!

NOW

• $1,000.00 initial deposit
  
• $10.00 service charge if average daily below $1,000.00
  

Call 800-391-2535 for Interest Rates 

Money Market

• $1,000.00 initial deposit
  
• 6 debits (withdrawals) per monthly statement cycle
• $1.00 charge for each transaction over 6
  
• $10.00 monthly service charge if average daily balance falls under $1,000.00
  

Call 800-391-2535 for current Interest Rates 

*Kasasa Cash: Average daily balances up to $10,000 receive an APY (Annual Percentage Yield) of 5.00%; and average daily balances equal to or greater than $10,000 earn 0.50% APY on the portion of the average daily balance over $10,000, resulting in a range from 0.910% to 5.00% APY depending on the account's average daily balance. You will receive reimbursements up to an aggregate total of $20 for nationwide ATM withdrawal fees, with a maximum of $4.99 per ATM withdrawal fee, incurred within your Kasasa Cash account during that Monthly Qualification Cycle. When your qualifications are not met, nationwide ATM withdrawal fees are not reimbursed and the entire average daily balance in the Kasasa Cash account earns 0.05% APY. To qualify, have at least 12 debit card purchases post and settle, be enrolled in and log into online banking and be enrolled in and receive e-statements. 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. If the account is closed before interest is credited, you will not receive the accrued interest. One (1) Kasasa account per customer. This account is not to be used for commercial purposes. $100 minimum deposit to open account.

 

*Kasasa Cash Back: You will receive 4.00% cash back on up to a total of $250 debit card purchases that post and settle to the account during that cycle period. A maximum of $10 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $20 for nationwide ATM withdrawal fees, with a maximum of $4.99 per ATM withdrawal fee, incurred within your Kasasa Cash Back account. When your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed. To qualify, have at least 12 debit card purchases post and settle, be enrolled in and log into online banking and be enrolled in and receive e-statements. 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. If the account is closed before rewards are credited, you will not receive the rewards. One (1) Kasasa account per customer. This account is not to be used for commercial purposes. $100 minimum deposit to open account.

 

*Kasasa Saver: When your linked Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, average daily balance up to $25,000 earn 1.00% APY (Annual Percentage Yield). Balances equal to or greater than $25,000 earn 0.25% APY, resulting in a range from 0.40% to 1.00% APY depending on the account’s average daily balance. Account will earn 0.05% APY if your linked Kasasa Cash or Kasasa Cash Back account qualifications are not met. 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. If the account is closed before interest is credited, you will not receive the accrued interest. $100 minimum deposit to open account. Interest in Kasasa Cash does not compound because it is automatically transferred to the Kasasa Saver account within one day. 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. 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.

 

Accumulate Savings Calculator - This is a simple calculator that lets you start with an amount of money and make regular monthly deposits, and see how much it grows. Please Note - The calculated amount is an approximate value and may differ from the bank's final calculation.