Free Kasasa Saver® works with your free Kasasa Cash® or Kasasa Cash Back® checking to turn monthly rewards into automatic savings. Earn 1.00% APY* on balances up to $25,000 with no monthly maintenance fees.


  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash® or Kasasa Cash Back checking
  • Automatic transfers of Kasasa Cash or Cash Back rewards
    • 1.00% APY* on balances up to $25,000 if qualifications are met
    • 1.00% to 0.40% APY on balances over $25,000 depending on balance in account*
    • 0.05% APY* if qualifications are not met in Kasasa Cash
  • No monthly maintenance fees
  • No minimum balance to earn rewards**
  • Free online banking
  • Free e-statements
  • Free mobile banking
  • 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!

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. 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 $5.00 for Kasasa Cash and each for any amount for Kasasa Cash Back 
  • At least 1 ACH debit or credit transaction
  • Be enrolled in and agree to receive e-statements

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And, you can get right back to earning your full rewards the very next month!

Monthly Qualification and Statement Cycle Dates

*Kasasa Saver

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 linked Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s)  Kasasa Saver: Balances up to $25,000 receive APY of 1.00% (0.96% 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 1.00%-0.40% APY depending on the account’s balance. In addition, you will receive reimbursements up to an aggregate total of $25 ($4.99 per single transaction) for nationwide ATM 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 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 with in sixty (60) days of the transaction.  Kasasa Cash: Balances up to $10,000 receive APY of 2.00% (1.98% interest rate) and balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000, resulting in a range from 2.00% to 0.41% APY depending on the account’s balance. When Kasasa Cash qualifications are not met, Kasasa Saver: All balances earn 0.05% APY. Kasasa Cash: All balances earn a non-compounding APY of 0.05%. When linked to the Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. Interest and ATM withdrawal 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 07/06/2022.  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. A $50 deposit is required to open the account. Monthly ACH debit or credit and receipt of electronic statements are a condition(s) of this account. Enrollment in electronic services (e.g. electronic statements, and log-ons may be required to meet some of the account’s qualifications. Limit 1 account(s) per social security number. A Kasasa Cash account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service 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, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.