Free Kasasa Cash® Checking

Earn really high dividends and refunds on ATM withdrawal fees.

Free Kasasa Cash® checking has no monthly service fees and rewards you for doing simple banking activities, like using your debit card. Earn up to 2.05% APY* every month. You’ll also get refunds on ATM withdrawal fees, nationwide — so every ATM is your ATM.

Our vision is to be the best financial institution you’ve ever experienced. That’s why we now offer some of the best checking accounts you’ve ever experienced — Kasasa®! Open your account online in minutes.


  • Free checking that pays high dividends
  • 2.05% APY* on balances up to $7,500
  • 0.15% APY* on balances over $7,500
  • 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 service fee
  • Free online banking and bill pay
  • Free e-statements
  • Free mobile banking
  • Free debit card
  • No minimum deposit to open

It’s easy to earn your rewards…here’s how!

To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle (see below for the cycle dates):

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

And if you don’t meet these qualifications, your account is still free.

Plus, you’ll earn our base dividend rate — and you can get right back to earning your full rewards the very next cycle that you qualify!

Apply for Kasasa Cash

Apply for Kasasa Cash & Kasasa Saver


Each qualification listed above needs to be completed within the Qualification Cycle. Here is a list showing each month’s cycle:

 Cycle Date Ranges 
12/31 - 1/301/31 - 2/272/28 - 3/30
3/31 - 4/294/30 - 5/305/31 - 6/29
6/30 - 7/307/31 - 8/308/31 - 9/29
9/30 - 10/3010/31 - 11/2911/30 - 12/30

*APY: Annual Percentage Yield. APY Effective as of 5/1/19.