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Free Kasasa Cash Checking:

*APYs accurate as of Sept 2025. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you at our discretion. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

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/interest. 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, and purchases made with debit or credit cards not issued by our bank. 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. Contact 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, daily balances up to and including $15,000 in your Kasasa Cash account earn an interest rate of 4.97% resulting in an APY* of 5.09%; and daily balances over $15,000 earn an interest rate of 0.25% on the portion of the daily balance over $15,000 resulting in a range from 5.09% to 0.88% APY depending on the account's daily balance. When your Kasasa Cash qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.01% resulting in an annual percentage yield of 0.01% and ATM withdrawal fees are not refunded. Interest will be earned every monthly qualification cycle and be credited to your Kasasa Cash account on the last day of your statement cycle. APY = Annual Percentage Yield.

ATM Withdrawal Fee Reimbursement: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, you will receive reimbursements up to an aggregate total of $10.00 ($4.99 per single transaction) for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the next business day after your current statement cycle. 

Additional Information: You will automatically qualify for the High Rate of interest and the ATM fee reimbursements for the first Monthly qualification cycle after account opening. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100 minimum deposit is required to open the Kasasa Cash account. There are no recurring monthly service charges or fees to open or close this account. Monthly Direct Deposit/ACH credit, enrollment in digital banking to obtain your monthly statement, and 12 debit card purchases that post and settle during the current statement cycle are conditions of this account. Limit of 1 account(s) per Social Security Number. If you close your account before your interest is credited, you will not receive the interest.

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the balance in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Advertised information and rewards are based on all account qualifications being met during each cycle period. High-rate claim is based on FDIC's National Weekly Rates for interest checking accounts. Claim is independent of any one institution's offerings. Comparison Source: http://www.fdic.gov/regulations/resources/rates/. Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC.

In order to attract and create lasting customer relationships for the Bank, Pony Express Bank offers extraordinary rewards for our customers through this account. However, Pony Express Bank reserves the right to disqualify any customer who is determined to be using this account in an “unacceptable manner.” This includes customers who are using this account only to earn rewards by using their debit cards the minimum number of transactions monthly, combined with debit card transactions in very small denominations. If Pony Express Bank determines that a customer is using the account in an unacceptable manner, the Bank will notify the customer in writing and the customer will remain in the account for the balance of the current qualification period. If the customer continues to use the account in an “unacceptable manner,” Pony Express Bank reserves the right to move the account type to an Express Checking account.

Trademarks: Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Free Kasasa Cash Back Checking:

*Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you at our discretion. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

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, and purchases made with debit or credit cards not issued by our bank. 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. Contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

Reward Information: When your Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4.00% cash back on up to $200 in debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 in Kasasa Cash Back payments may be earned per Monthly Qualification Cycle. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.

When your Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, you will receive reimbursements up to an aggregate total of $10.00 ($4.99 per single transaction) for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.  The Kasasa Cash Back payments and Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.

Additional Information: You will automatically qualify for the Kasasa Cash Back rewards and the ATM fee reimbursements for the first monthly qualification cycle after account opening. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100 minimum deposit is required to open the Kasasa Cash Back account.

There are no recurring monthly service charges or fees to open or close this account. Monthly Direct Deposit/ACH credit, enrollment in digital banking to obtain your monthly statement, and 12 debit card purchases that post and settle during the current statement cycle are conditions of this account.  Limit of 1 account(s) per Social Security Number. If you close your account before your cash back rewards are credited, you will not receive the rewards.

Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC.

In order to attract and create lasting customer relationships for the Bank, Pony Express Bank offers extraordinary rewards for our customers through this account. However, Pony Express Bank reserves the right to disqualify any customer who is determined to be using this account in an “unacceptable manner.” This includes customers who are using this account only to earn rewards by using their debit cards the minimum number of transactions monthly, combined with debit card transactions in very small denominations. If Pony Express Bank determines that a customer is using the account in an unacceptable manner, the Bank will notify the customer in writing and the customer will remain in the account for the balance of the current qualification period. If the customer continues to use the account in an “unacceptable manner,” Pony Express Bank reserves the right to move the account type to an Express Checking account.

Trademarks: Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.