Free Kasasa Cash Back® Checking

Personal Banking  /  Checking Accounts  /  Free Kasasa Cash Back® Checking

We Pay You to Bank Here!

Free Kasasa Cash Back® checking earns 2% cash back (up to $6) on your everyday debit card purchases each month. You’ll also get refunds on your ATM fees, nationwide. Connect Kasasa Cash Back to a free Kasasa Saver® to watch your savings grow with ease.


  • Link to Kasasa Saver to build savings automatically
  • No minimum balance to earn rewards
  • No monthly service fee
  • $5 minimum deposit to open


  • FREE checking account that pays you back
  • FREE VISA® debit card
  • FREE direct deposit
  • FREE online banking with Bill Pay
  • FREE e-statements
  • Unlimited check writing
  • 2% cash back on debit card purchases
    • No category restrictions on purchases
    • Cash back earned on up to $300 in purchases monthly
    • Earn up to $6 cash back per month
  • Refunds on ATM fees, nationwide (up to $20 monthly)

It’s So Easy to Earn Rewards

Just complete a few banking basics that you’re probably already doing (we call it “meeting your qualifications”). To earn your rewards, do the following in your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • Post and settle at least 12 debit card purchases
  • Be enrolled in and log into online banking at least once per month
  • Be enrolled in and receive e-statement notices

2023 Rewards* Qualification Cycles for Kasasa Checking Products

Month Start Date End Date Statement Date
January 12/29/2023 1/30/2024 1/31/2024
February 1/31/2024 2/28/2024 2/29/2024
March 2/29/2024 3/28/2024 3/31/2024
April 3/29/2024 4/29/2024 4/30/2024
May 04/30/2024 5/30/2024 5/31/2024
June 5/31/2024 6/27/2024 6/30/2024
July 6/28/2024 7/30/2024 7/31/2024
August 7/31/2024 8/29/2024 8/31/2024
September 8/30/2024 9/27/2024 9/30/2024
October 9/28/2024 10/30/2024 10/31/2024
November 10/31/2024 11/27/2024 11/30/2024
December 11/28/2024 12/30/2024 12/31/2024

*POS transactions must POST by the last day of the qualification cycle to be included in that month’s qualification grouping. Please note that some transactions may take up to 3 days from the transaction date to post to members’ accounts.

APY=Annual Percentage Yield. APYs accurate as of 07/01/2022. Rates may change after account is opened. Minimum to open is $5 for Kasasa Cash Back and $5 for Kasasa Saver. When monthly qualifications are met, you will receive 2.0% cash back on debit card purchases that post and settle to the account during monthly qualification cycle up to a total cash back of $6 per monthly qualification cycle. Domestic ATM fees incurred using Kasasa Cash Back debit card during qualification cycle will be reimbursed up to $20 if qualifications are met within monthly qualification cycle. Qualifying transactions must post and settle to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. “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. Kasasa Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. If qualifications in Kasasa Cash Back are met each monthly qualification cycle: (1) balances up to $50,000 in Kasasa Saver receive an APY of 0.75%; and (2) balances over $50,000 in Kasasa Saver earn 0.25% interest rate on the portion of the balance over $50,000, resulting in 0.75% – 0.42% APY depending on the balance. If qualifications are not met on Kasasa Cash Back, all balances in the Kasasa Saver earn 0.05% APY. Limit one account per SSN.