KASASA® CHECKING
Earn 4.50% APY* on Your Balance
High interest on your balance, plus nationwide ATM fee refunds — just for banking local.
Decision Basics
Earn Up To
4.50% APY*
Monthly Fee
None
Minimum to Open
$100
ATM Fee Refunds
Up to $20/month**
Benefits
Free Checking That Pays You for Banking Local
Earn 4.50% APY*
High-yield interest on your full balance every month you qualify.
ATM Fee Refunds
Up to $20 in ATM fees from other banks refunded every month you qualify.
Digital Wallet Counts
Apple Pay, Google Pay, and Zelle® all count toward your 15 debit purchases.
No Monthly Fees
No maintenance fee. Miss a month? You still earn our base rate.
How It Works
How It Works
Open With $100
Open online or at any branch with a $100 deposit.
Do What You Already Do
One direct deposit or ACH.
Earn 4.50% APY* + ATM Refunds
Earn 4.50% APY* and up to $20 in ATM refunds. Every qualifying month.
Qualifications for Maximum Earnings
Do What You're Already Doing
Each month, these transactions must post and settle to your Kasasa Cash® account:
At Least 1 Direct Deposit or ACH Payment Transaction
At Least 15 Debit Card Purchases
Digital wallet purchases count. ATM-processed transactions do not.
Be Enrolled in & Agree to Receive eStatements
Secure and takes 10 seconds to set up.
Miss a month? You still earn our base rate — and full earnings reset the next cycle you qualify.
Rates
| Balance | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| $0.01 – $15,000.99 | $100 | 4.410% | 4.500% |
| $15,001.00 and Greater | n/a | 0.050% | 0.050% |
| All balances if qualifications not met | n/a | 0.010% | 0.010% |
Better Together
Pair with Kasasa Saver® to Grow Automatically
Earnings sweep into Kasasa Saver automatically. One set of qualifications unlocks both.
Included With Your Account
Convenient Services You'll Actually Use
Everything you need to move, track, and manage your money — built right into Kasasa Cash®.
Visa® Debit Card
Swipe, or add to your digital wallet — accepted everywhere Visa is.
Free Digital Banking
Online banking, mobile banking, and eStatements included at no cost.
Digital Wallet
Add your card to Apple Pay, Google Pay, and Samsung Pay in seconds.
Zelle®
Send and receive money with people you trust, right from the app.
Personal Finance Manager
Track spending, set budgets, and see all your money in one place.
Plan With Confidence
Kasasa Cash Calculator
Kasasa Cash Calculator
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 earnings.
*Qualifications, limits and other requirements may apply. See details for more info.
**The maximum total of refunds on ATM withdrawal fees per monthly qualification cycle is 25.
Our calculators are for informational purposes only and are not intended to provide financial advice. All examples are hypothetical and for illustrative purposes. Although we have obtained content from sources deemed to be reliable, Kasasa and its affiliates are not responsible for any content provided by unaffiliated third parties. You may wish to consult an appropriate outside advisor about your financial situation.
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
Helpful Links
Tools You Might Find Handy
Ready When You Are
Open Kasasa Cash® in Minutes
Open online, review the qualifications, and pair with Kasasa Saver® to sweep earnings into savings.
*APY=Annual Percentage Yield. APYs accurate as of 8/1/2026. Rates may change after account is opened. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000.99 receive APY of 4.500%; and (3) balances over $15,001.00 earn 0.050% interest rate on the portion of the balance over $15,001.00. If qualifications are not met on Kasasa Cash, all balances earn 0.010% APY. Qualifying transactions must post and settle to Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. Transfers between accounts do not count as qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.
**This includes a combination of the ATM surcharge reimbursement and the BRB foreign ATM fee.