Kasasa Cash Account

Do you Kasasa Cash?

Don’t just let your money sit there doing nothing. Earn interest with a free Kasasa Cash account. Perfect for those want to earn a higher return on their checking account. Plus, no monthly service fee.

Mother holding son in kitchen

Account Details

Here’s what you can expect:

  • 2.01% Annual Percentage Yield (APY)¹ on balances up to $15,000
  • 0.05% APY¹ on the portion of balance over $15,000
  • No monthly service fee
  • No minimum balance requirement
  • ATM fee refunds nationwide up to $10 monthly (up to $4.99 per transaction¹)
  • $100 minimum deposit to open an account

Earning Interest is Easy

To qualify, simply do the following in your Kasasa Cash account each monthly qualification cycle. If you don’t qualify for the full rewards one month, don't worry! You’ll always have free checking, plus a base interest rate of 0.05% APY¹. And you can always get right back to earning 2.01% APY¹ and enjoying refunds on ATM fees the next month you qualify.

  • Make at least 12 debit card purchases².
  • Go paperless. Enroll to receive electronic statements.
  • Have at least one recurring direct deposit, automatic payment (ACH), or auto debit.

Interest Rates

2.01% APY

Balances of $0 - $15,000 recieve 2.01% APY.

Rate: 1.99%

0.05% APY

Balances of $15,000+ recieve 0.05% APY on the portion of the balance over $15,000.

Rate: 0.05%

0.05% APY

All balances recieve 0.05% APY if qualifications are not met.

Rate: 0.05%


1 APY = Annual Percentage Yield. APY’s accurate as of January 20, 2021. Rates may change at any time. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during monthly qualification cycle will be reimbursed up to $10 and credited to account on the last day of monthly statement cycle. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our facilities. ATM-processed transactions do not count towards qualifying check card transactions. $1 ATM Transaction fee is excluded from ATM refunds. (2) balances up to $15,000 receive APY of 2.01% and balances over $15,000 earn 0.05% APY on a portion of the balances over $15,000.00, resulting in 2.01% - 0.05% APY depending upon balance.

2 If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date that the transaction was made to post and settle the account. “Monthly Qualification Cycle” means a period beginning the first day of the month and ending the last day of the month; which is the same date period as your statement cycle. Accounts are available to Missouri, Arkansas and Illinois residents and for personal use only. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Ready to open a Kasasa Cash Account?