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Kasasa Cash Free Checking Account

Kasasa Cash

There's a new way to bank in The Ozarks. It's called Kasasa, and it's so much more than a standard checking account.

You earn a high 1.01% APY* and unlimited ATM fee refunds,* not just in the Ozarks, but nationwide. There are no minimums to worry about in order to earn rewards — only maximum benefits. And best of all, you can reap the rewards of a built-in savings tool.

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  • Earn 1.01% APY* on balances up to $25,000
  • Earn 1.01% - 0.33% APY on balance above $25,000 depending on balance in account*
  • Earn 0.01% APY* on the entire balance when monthly qualifications are not met
  • Unlimited ATM fee refunds* nationwide
  • Link to Kasasa Saver for automatic savings builder
  • No minimum balance requirements to earn rewards
  • No monthly maintenance fee
  • Unlimited check writing
  • Free online banking and bill pay
  • Free e-statements
  • Free debit card
  • $100 minimum to open (no minimum thereafter)
  • FDIC insured


Qualifying for your Kasasa Cash rewards is as easy as finding a pretty view in the Ozarks. To earn these rewards, simply do the following during the monthly qualification cycle:

  • Have at least 15 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle

Even if you don't qualify one cycle Kasasa Cash is still free and earns interest at our base rate of 0.01% APY. Best of all, you can get back to earning the Kasasa rewards the very next cycle you qualify.


*APY=Annual Percentage Yield. APYs accurate as of 9/26/2014. Rates may change after account is opened. Minimum to open is $100 for Kasasa Cash and $100 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of the monthly statement cycle; (2) balances up to $25,000 receive APY of 1.01%; and (3) balances over $25,000 earn 0.25% interest rate on the portion of the balance over $25,000, resulting in 1.01% - 0.33% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.01% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle 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. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $100,000 in Kasasa Saver receive an APY of 0.75%; and (2) balances over $100,000 in Kasasa Saver earn 0.25% interest rate on portion of balance over $100,000, resulting in 0.75% - 0.45% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.01% APY. 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.

Qualification Dates

Kasasa Cash and Kasasa Saver Key Dates

The following are the deadline dates for completing your qualifications to earn rewards for Kasasa Cash & Kasasa Saver for 2016. We will update these dates as needed.

2016 Qualification Date Statement Cycle Date
December 2015 12/23/2015* 12/24/2015
January 1/22/2016* 01/25/2016
February 02/24/2016* 02/25/2016
March 03/24/2016* 03/25/2016
April 04/22/2016* 04/25/2016
May 05/24/2016* 05/25/2016
June 06/23/2016* 06/24/2016
July 07/22/2016* 07/25/2016
August 08/24/2016* 08/25/2016
September 09/22/2016* 09/23/2016
October 10/24/2016* 10/25/2016
November 11/23/2016* 11/25/2016
December 12/22/2016* 12/23/2016