Personal Checking Comparison

Free Kasasa Cash Checking:

*APY=Annual Percentage Yield.  APY is accurate as of 7/21/2023. Interest rates may change after account is opened.  Minimum to open the Kasasa Cash® account is $100.  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 4.50%; and (3) balances $15,001 or more earn 0.05% interest rate on the portion of the balance of $15,001 or more, resulting in 4.50% to 0.05% APY depending on the balance. If qualifications are not met on Kasasa® Cash balances $.01 or more earn 0.01% APY. 

To meet the qualifications, have at least 1 ACH payment or deposit post and settle and at least 12 debit card purchases post and settle during the monthly qualification cycle and receive electronic statements. 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.  The following activities do not count toward earning account rewards:  ATM-processed transactions, transfers between accounts, and debit card purchases processed by merchants and received by the bank as ATM 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.  

Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply.  Limited to one Kasasa® checking account per social security number. ATM receipt must be presented for reimbursement of $9.99 for individual ATM fees of $10.00 or higher.

Free Kasasa Cash Back Checking:

**Minimum to open Kasasa Cash Back and Kasasa Saver is $100 each. If qualifications are met during a monthly qualification cycle on your Kasasa Cash Back Account: (1) Receive 3.00% cash back on debit card purchases net of returns up to $300 that post and settle during each monthly qualification cycle up to $9.00 per qualification cycle; (2) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $9.99 per transaction; (3) Cash Back and ATM reimbursements will be credited to account on the last day of monthly statement cycle if qualifications are met. Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post and settle to an account. ATM 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. Kasasa Cash Back rewards from Kasasa Cash Back and ATM fee reimbursements are automatically transferred to Kasasa Saver at the beginning of the following statement cycle if Kasasa Saver is open. 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.