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Earn and save more money with free Kasasa Cash®. Get really high interest — 5.00% APY* — on balances up to $25,000. Then, link it to free Kasasa Saver®, so your rewards become automatic savings.


Do you currently have an account with The Bank of Denver?

  • Free checking that pays high interest
    • 5.00% APY* to 1.20% APY on balances over $25,000 depending on balance in account*
    • 0.05% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards**                                                                          
  • No monthly maintenance fees
  • Free Digital Banking
  • Free E-statements
  • Free mobile banking with mobile deposit
  •   (account must be in good standing for 30 days for mobile deposit)
  • Free Visa® debit card
  • $50 minimum deposit to open

**If your account is at a zero balance on the day the interest is to be credited, you will not receive the accrued interest.

It's Easy to Earn Your Rewards!

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 12 debit card purchases, each greater than $5
  • At least 1 ACH credit or debit transaction
  • Be enrolled in and agree to receive e-statements

Told you it was easy. If you don't meet the qualifications during the month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get right back to earning your full rewards the very next month.

Monthly Qualification and Statement Cycle Dates


Do you currently have an account with The Bank of Denver?

*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 institution. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Visit us at www.thebankofdenver.com or call 303-572-3600 and speak to one of our branch service representatives for specific Monthly Qualification Cycle dates. 

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to and including $25,000 receive APY of 5.00%  (4.88% interest rate)  and balances over $25,000 earn 0.25% interest rate on the portion of balance over $25,000, resulting in a range from 5.00% to 1.20% APY depending on the account’s balance and (2) you will receive reimbursements up to an aggregate total of  $25 ($4.99 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $4.99 or higher.  We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee.  If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within (60) calendar days of the withdrawal transaction. When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM withdrawal fees are not refunded. Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 09/01/2023. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. 

Additional Information Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the Kasasa Cash account. Monthly ACH credit or debit, receipt of electronic statements are conditions of this account. Enrollment in electronic services (e.g., online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account.   Certain transaction and service fees may apply.  Refer to our Fee Schedule for more information.  If the account is closed, you will forfeit any rewards that have not been credited to your account. Contact one of our service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash Back-Multi-Level are trademarks of Kasasa, Ltd., registered in the U.S.A.