Free Kasasa Cash Checking

*APY=Annual Percentage Yield. APYs accurate as of 11/03/2022. Rates may change after account is opened. Minimum to open is $100 for Kasasa Cash. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $10 ($4.99 per single transaction) and credited to account on the last day of current statement cycle; (2) balances up to $15,000 receive APY of 1.01%; and (3) balances over $15,000 earn 0.25% interest rate on the portion of the balance over $15,000, resulting in 1.01% - 0.35% APY depending on the balance. When your Kasasa Cash qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.03% resulting in a non-compounding annual percentage yield of 0.03% 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%. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. "Monthly Qualification Cycle" means a period beginning one day prior to the first banking day of the current statement cycle through one day prior to the last banking day of the current statement cycle. The advertised Kasasa Cash APY is based on non-compounding interest. If you have a linked Kasasa Saver account, interest earned in Kasasa Cash is automatically transferred to Kasasa Saver on the last day of the current statement cycle.  When linked to a Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, 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 balance is less than the transferred amount when the transfer occurs. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. 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. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement 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.  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. Limit one account per SSN. 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. There are no recurring monthly maintenance charges or fees to open or close this account.