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One way we show our appreciation for you is by paying you to bank with us. And we do that with Kasasa®.

Key Features

  • High Interest
  • No Monthly Maintenance Fee
  • Refunds on ATM Fees*
  • Free Digital Banking

Do you currently have an account with Volunteer State Bank?

  • 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*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly service charge
  • Free Mastercard® debit card
  • Free digital banking, including:
    • Online banking & bill pay
    • Mobile banking with mobile deposit
    • eStatements
  • Surcharge-free ATMs available
  • $100 minimum deposit to open
  • Open online in minutes
    • $300 maximum opening deposit if opened online

It’s So Easy to Earn Rewards

So easy, in fact, you’re probably already doing it. To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

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

And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Do you currently have an account with Volunteer State Bank?

*APY=Annual Percentage Yield. APYs accurate as of 8/15/2019. 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.