Skip to content

Rates Calculator

There's a new way to bank in the Ozarks. It's called Kasasa Cash®, and it's so much more than a standard free checking account. You earn up to 2.00% APY* and refunds on ATM withdrawal fees, not just in the Ozarks, but nationwide.* There are no minimums to worry about in order to earn rewards — only maximum benefits. Link your account to a free Kasasa Saver® to make saving effortless.

  • Free checking that pays high interest*
  • 2.00% APY* on balances up to $10,000
  • 2.00% to 0.32% APY on balances over $10,000 depending on balance in account*
  • 0.01% APY* if qualifications aren't met
  • 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

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash 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'll still earn our base rate. And you can get the Kasasa rewards back the very next cycle!

Kasasa Cash and Kasasa Saver Key Dates

The following are the deadline dates for completing your qualifications to earn rewards for Kasasa Cash and Kasasa Saver for 2021. We will update these dates as needed.

2021 Qualification Date Statement Cycle Date
January 01/22/2021* 01/25/2021
February 02/24/2021 02/25/2021
March 03/24/2021 03/25/2021
April 04/22/2021* 04/23/2021
May 05/24/2021 05/25/2021
June 06/24/2021 06/25/2021
July 07/22/2021* 07/23/2021
August 08/24/2021 08/25/2021
September 09/23/2021* 09/24/2021
October 10/22/2021* 10/25/2021
November 11/23/2021* 11/24/2021
December 12/22/2021* 12/23/2021

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

*APY=Annual Percentage Yield. APYs accurate as of 11/06/2020. 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 $10,000 receive APY of 2.00%; and (3) balances over $10,000 earn 0.25% interest rate on the portion of the balance over $10,000, resulting in 2.00% - 0.32% 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. ATM refunds up to $25 per monthly cycle.