Kasasa Cash Back® delivers all the checking basics — plus up to 4.00% in monthly cash back rewards* — for the price of free.

  • Free checking that pays you back
  • 4.00% cash back on debit card purchases*
  • No category restrictions on purchases
  • Cash back earned on purchases up to $200/monthly
  • Earn up to $96 cash back per year, $8 per month
  • Refunds on ATM withdrawal fees, nationwide (up to $10 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly service charge
  • Free online banking & bill pay
  • Free eStatements
  • Free mobile banking with mobile deposit
  • Free debit card
  • $100 minimum deposit to open
  • FDIC insured

Here’s how you qualify!

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 1 direct deposit or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in Online Banking to obtain your monthly statement

That's it! And if for some reason you don't qualify, don't worry. Your account is still free. You can get back to earning your full rewards the very next monthly qualification cycle!

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) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. Contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4.00% cash back on debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 in cash back payments may be earned per Monthly Qualification Cycle. In addition, daily balances up to and including $35,000 in your Kasasa Saver account earn an interest rate of 0.51% resulting in an APY of 0.51% and daily balances over $35,000 earn an interest rate of 0.25% on the portion of the daily balance over $35,000. resulting in a range from 0.51% to 0.32% APY depending on the Kasasa Saver account's daily balance. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. In addition, the entire daily balance in the Kasasa Saver account earns an interest rate of 0.03% resulting in an annual percentage yield of 0.03% APY. APY = Annual Percentage Yield. APYs accurate as of 07/13/2023.

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. NOTE: ATM fee reimbursements only apply to Kasasa Cash and Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.

The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.

Additional Information: You will automatically qualify for the cash back rewards and the ATM fee reimbursements for thefirst 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. $100 minimum deposit is required to open the Kasasa Saver account. There are no recurring monthly maintenance charges or fees to open or close this account. Monthly Direct Deposit/ACH credit, enrollment in online 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. A Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. 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. 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: Interest Checking, FDIC 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, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.