Free Kasasa Cash Checking

Normally, free doesn’t equal rewards — you get one or the other. But in the case of Kasasa®, you get both! Kasasa Cash® checking is a free account that pays you higher interest, up to 2.25% APY*, just for doing banking basics.

You’ll also get refunds on an unlimited number of ATM transactions, not just here in Middle Tennessee but anywhere in the United States. So you can experience all our country has to offer without worrying about running out of cash.

  • Free checking that pays high interest *
    • 2.25% APY* on balances up to $15,000
    • 2.25% to 0.51% APY on balances over $15,000 depending on balance in account*
    • 0.05% APY* if qualifications aren't met
  • Refunds on ATM fees, nationwide (up to $9.99 per single transaction)*
  • Can link to free high-interest Kasasa Saver® account
  • No monthly service fee
  • Free online banking & bill pay
  • Free eStatements
  • Free mobile banking
  • Free MasterCard® debit card
  • Unlimited check writing
  • $100 minimum deposit to open
  • Open online in minutes
    • $300 maximum opening deposit if opened online

Earning Your Rewards Couldn’t Be Easier!

In fact, you probably won’t even have to give it a second thought. To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle: 

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 ACH debit transaction or direct deposit post and settle
  • Be enrolled in and agree to receive eStatements

See? Simple! If you don’t meet the qualifications one month, don’t worry. There is no penalty, and you’ll still earn our base interest rate. Then you can get right back to earning your rewards the very next month.

*APY=Annual Percentage Yield. APYs accurate as of 1/17/2019. 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 $9.99 per transaction and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000.99 receive APY of 2.25%; and (3) balances over $15,000.99 earn 0.25% interest rate on the portion of the balance over $15,000.99, resulting in 2.25% - 0.51% APY depending on the balance. If qualifications are not met on Kasasa Cash, balances $.01 or more earn 0.05% APY. 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. ATM-processed transactions do not count towards qualifying check card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. Transfers between accounts do not count as qualifying transactions. Limited to one Kasasa checking account and one Kasasa Saver per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $10.00 or higher.