Kasasa Cash

Kasasa Cash

They say you have to spend money to make it. They obviously haven't heard of innovative, free Kasasa Cash® checking. There's never a monthly service fee. Instead, money comes your way in the form of really high interest.

Another rewarding benefit is ATM fee reimbursements are not just in and around Nebraska, but nationwide.* Give nothing and get a whole lot in return. Do you Kasasa?®

  • 4.00% APY* on daily balances up to $10,000
  • 4.0% to 0.35% APY* on daily balances $10,000 and over depending on the balance in the account
  • 0.05% APY* and ATM fees not refunded if qualifications aren't met
  • Unlimited ATM fee refunds nationwide* (up to $4.99 per transaction)
  • Can link to high-interest Kasasa Saver® account
  • No monthly service fee
  • No minimum balance to earn rewards
  • Unlimited check writing
  • Free online banking
  • Free Bill payment
  • Free eStatements
  • Free MasterCard® debit card
  • $25 minimum deposit to open

How Does Kasasa® Work?

Simple things like using your debit card and receiving eStatements save you time and make life easier. Those small changes also help save us some money. We can then pump that money back into the community — and pay you rewards!


Qualifying for rewards is easy — so easy, in fact, you're probably already doing it! To earn your rewards (the preferred rate of interest and ATM withdrawal fee reimbursements), the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least twelve (12) debit card purchases
  • Be enrolled in and log into online banking
  • Be enrolled in and have agreed to receive e-statements rather than paper statements

That's it. If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning major interest and nationwide ATM fee refunds the very next month.

*Qualification Information: Only debit card transactions processed by merchants and received by the bank as point-of-sale transactions count towards qualifying debit card purchases. Account transactions and activities may take one or more business 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 withdrawals and 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 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) business day prior to the first day of the current statement cycle through one (1) business day prior to the last business day of the current statement cycle. "Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. Balance Computation Method: We use the daily balance method to calculate the interest in your Kasasa Cash account, which applies a periodic rate to the principal in the account each day for the period. The period we use is the Statement Cycle. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to $10,000 in your Kasasa Cash account earn an interest rate of 3.9285% resulting in an APY of 4.00%; and daily balances $10,000 and over earn an interest rate of 0.35% on the portion of the daily balance over $10,000 resulting in a range from 4.00% to 0.35% APY depending on the account's daily balance. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. You will receive reimbursements up to an aggregate total of $4.99 per transaction for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. When your Kasasa Cash account qualifications are not met during a Monthly Qualification Cycle, the interest rate earned on the account's entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. The advertised Kasasa Cash APY is based on compounding interest. Actual interest amount paid may be less than the advertised Kasasa Cash APY. APY = Annual Percentage Yield. The interest rate(s) and APY(s) are accurate as of July 19, 2019. APY calculations are based on an assumed balance of $10,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Interest rates, APYs, rewards, and bonuses, if any, are variable and at our discretion may change after the account is opened without notice to you. There is no limit on the amount the interest rate and APY can change. No minimum balance is required to earn or receive the account's rewards. Rewards of less than a penny cannot be distributed. Fees may reduce earnings. You can link this account to a high interest Kasasa Saver account to build savings automatically. You will automatically qualify for the account's rewards (the preferred rate of interest and ATM withdrawal fee reimbursements) during your account's first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. See schedule of Common Fees at account opening for fees that may apply to this account. Limit of one account per social security number. This account is not to be used for commercial purposes. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.