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Now you can make shopping a whole lot more rewarding — just open a free Kasasa Cash Back® checking account. You'll earn 4.00% cash back on your everyday debit card purchases.* Plus, you'll make every ATM your ATM with refunds on ATM withdrawal fees, nationwide.* Just do simple things you probably already do, and we'll reward you for it.

  • Free checking that pays you back
  • 4.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $200 in purchases monthly
    • Earn up to $96 cash back per year, $8 per month
  • Nationwide ATM refunds, up to $25 per monthly cycle*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free online banking & bill pay
  • Free e-statements
  • Free mobile banking
  • Free Visa® debit card
  • Overdraft protection up to $300
  • Unlimited check writing
  • $100 minimum deposit to open (no minimum thereafter)
  • FDIC insured

Easy Qualifications

Qualifying for your Kasasa Cash Back rewards is as easy as finding a pretty view in the Ozarks. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 1 direct deposit or ACH payment transaction 
  • At least 15 debit card purchases
  • Be enrolled in and agree to receive e-statements

If you don't qualify, don't worry.

Your account is still free and you have the opportunity to earn rewards next month!

Kasasa Checking and Kasasa Savings Key Dates

The following are the deadline dates for completing your qualifications to earn rewards for Kasasa Checking and Kasasa Savings for 2022. We will update these dates as needed.

2022 Qualification Date Statement Cycle Date
January 01/24/2022 01/25/2022
February 02/24/2022 02/25/2022
March 03/23/2022* 03/24/2022*
April 04/24/2022 04/25/2022
May 05/24/2022 05/25/2022
June 06/22/2022* 06/23/2022*
July 07/24/2022 07/25/2022
August 08/24/2022 08/25/2022
September 09/22/2022* 09/25/2022
October 10/24/2022 10/25/2022
November 11/22/2022* 11/24/2022*
December 12/21/2022* 12/22/2022*



Do you currently have an account with Heritage Bank of the Ozarks?

*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 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. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, you will receive: (1) 4% cash back on up to a total of $200 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8 cash back may be earned per Monthly Qualification Cycle and (2) you will receive reimbursements up to $25 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Cash Back qualifications are not met, no cash back payments are made, and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. Rates and rewards are variable and may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100 minimum deposit is required to open the account. Monthly Direct Deposit/ACH credit, receipt of electronic statements may be conditions of this account. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit 1 account per household. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.