Take back banking and get paid to do it with a FREE KASASA CASH BACK® account!

Free Kasasa Cash Back Checking

Do a little, get a lot! Earn rewards just for using your account. And never pay monthly maintenance fees.

Enjoy high interest, refunds on ATM withdrawal fees, nationwide*, PLUS get cash back on qualifying debit card purchases. Best of all, no matter your account activities, this account is always 100% free. Get an account that pays you, not the other way around — get Kasasa Cash Back Checking today!



It’s easy to earn your rewards

Earning the full rewards is so easy, you’re probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash Back Checking account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle.
  • At least 1 ACH credit or ACH payment transaction(s) post and settle.
  • Be enrolled in and have agreed to receive eStatements rather than paper statements.

That’s really it! And if you don’t meet the qualifications one month, no worries. There is no penalty, and you still have a free checking account. Plus, you can get back to earning excellent rewards the very next month.

Plus, you can link your Kasasa Cash® account to a free Kasasa Saver to watch your savings grow automatically.

View or print our personal Kasasa accounts brochure (PDF)

Monthly Qualification and Statement Cycles


Qualification Information: (As of 3/21/23) Account transactions and activities may take one or more 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-processed transactions, transfers between accounts, PIN-based/signature-based debit card purchases less than $1.00, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment 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) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 3.00% cash back on up to a total of $300.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during the Monthly Qualification Cycle in which you qualified. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100.00 minimum deposit is required to open the account. Enrollment in electronic services is required to meet some of Kasasa Kasasa Cash Back account’s qualifications. Limit of 1 account per Social Security Number (SSN). There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC. Trademarks: Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.