HomeFor YouChecking AccountsFree Kasasa Cash® Checking

Free Kasasa Cash® Checking

Get a free checking account that pays you in ways that matter. Meeting reward qualifications* is simple, you’re probably already doing it! Just complete one of the following sets of activities and transactions each monthly qualification cycle.

Compare Kasasa Accounts  about Free Kasasa Cash® CheckingDownload the Kasasa Flyer  about Free Kasasa Cash® CheckingKasasa Saver  about Free Kasasa Cash® CheckingContact a Banker  about Free Kasasa Cash® Checking

Card Bundle

Loan Bundle

  • Opt in for eStatements
  • 1 or more ACH credit or debit transaction posted
  • 3 or more debit card purchases
  • Active home equity line of credit or home equity installment loan
  • Monthly Qualification Cycle

Your Rewards

  • .05% APY* on balances up to $10,000
    • 5.00% – 1.09% APY on balances greater than $10,000*
    • 0.05% APY* if qualifications are not met
  • Nationwide ATM refunds* up to $25 per qualification cycle

Personal Checking Account Rates

Effective as of 01 / 06 / 2026

AccountMinimum Opening BalanceInterest RateAnnual Percentage Yield (APY)¹Minimum Daily Average Balance to Earn InterestCompounding & Crediting Frequency
Kasasa Cash Checking®2$100$0
$0 – $10,000.004.89%.05%Monthly
$10,000.01 + 0.70%5.00% – 1.09%Monthly
If qualifications are not met0.05%0.05%Monthly
Kasasa Cash Back®$100N/AN/A$0N/A
Highland Checking$100N/AN/AN/AN/A
Interest Checking$1000.10%0.10%$1,000Monthly
Relationship Checking$1000.10%0.10%$500Monthly
1The interest rate and annual percentage yield (APY) may change weekly at Bank’s discretion. Interest will be compounded and paid monthly. We use the average daily balance method to calculate interest on your account. This method applies a daily periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Fees may reduce earnings. 2Qualifications for higher interest rate: Must have at least 12 debit card purchases posted and settled and must have at least one ACH transaction (debit or credit) per statement/qualifying cycle. APY on tiers may vary based on balances maintained. If qualifications are not met, interest rate/yield will revert to .01% on all balances. Enrolled in e-statements is a condition of the account.

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