Free Kasasa Cash® Checking
Get free checking that pays. Enjoy high interest and refunds on ATM withdrawal fees, nationwide.*
- Free checking that pays high interest
- 5.12% APY* on balances as much as $20,000
- 0.25% on balances above 20,000.00, resulting in a range of 2.52% to 0.25% APY depending on the daily balance.
- 0.05% APY* on all balances if qualifications aren’t met
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly limit $4.00 per transaction)*
- Link to free Kasasa Saver® to build savings automatically
- No minimum balance to earn rewards
- No monthly maintenance fee
- Free digital banking, including:
- Online banking
- Mobile banking
- eStatements
- $50 minimum deposit to open
Qualifications to Earn Rewards
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking or mobile banking
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.
| Monthly Qualification Cycle | Statement Cycle | ||||||
| Month | Year | Begin | End | Begin | End | ||
| January | 2023 | 12/30/22 | 01/30/23 | 01/01/23 | 01/31/23 | ||
| February | 2023 | 01/31/23 | 02/27/23 | 02/01/23 | 02/28/23 | ||
| March | 2023 | 02/28/23 | 03/30/23 | 03/01/23 | 03/31/23 | ||
| April | 2023 | 03/31/23 | 04/27/23 | 04/01/23 | 04/30/23 | ||
| May | 2023 | 04/28/23 | 05/30/23 | 05/01/23 | 05/31/23 | ||
| June | 2023 | 05/31/23 | 06/29/23 | 06/01/26 | 06/30/23 | ||
| July | 2023 | 06/30/23 | 07/28/23 | 07/01/23 | 07/31/23 | ||
| August | 2023 | 07/29/23 | 08/30/23 | 08/01/23 | 08/31/23 | ||
| September | 2023 | 08/31/23 | 09/28/23 | 09/01/23 | 09/30/23 | ||
| October | 2023 | 09/29/23 | 10/30/23 | 10/01/23 | 10/31/23 | ||
| November | 2023 | 10/31/23 | 11/29/23 | 11/01/23 | 11/30/23 | ||
| December | 2023 | 11/30/23 | 12/29/23 | 12/01/23 | 12/31/23 | ||
| January | 2024 | 12/30/23 | 01/30/24 | 01/01/24 | 01/31/24 | ||
| February | 2024 | 01/31/24 | 02/28/24 | 02/01/24 | 02/29/24 | ||
| March | 2024 | 02/29/24 | 03/29/24 | 03/01/24 | 03/31/24 | ||
| April | 2024 | 03/30/24 | 04/29/24 | 04/01/24 | 04/30/24 | ||
| May | 2024 | 04/30/24 | 05/30/24 | 05/01/24 | 05/31/24 | ||
| June | 2024 | 05/31/24 | 06/27/24 | 06/01/24 | 06/30/24 | ||
| July | 2024 | 06/28/24 | 07/30/24 | 07/01/24 | 07/31/24 | ||
| August | 2024 | 07/31/24 | 08/29/24 | 08/01/24 | 08/31/24 | ||
| September | 2024 | 08/30/24 | 09/27/24 | 09/01/24 | 09/30/24 | ||
| October | 2024 | 09/27/24 | 10/30/24 | 10/01/24 | 10/31/24 | ||
| November | 2024 | 10/31/24 | 11/28/24 | 11/01/24 | 11/30/24 | ||
| December | 2024 | 11/29/24 | 12/30/24 | 12/01/24 | 12/31/24 | ||
Free Kasasa Cash Back® checking
Choose this free checking account that pays cash back on debit card purchases — plus refunds on ATM withdrawal fees.^
- Free checking that pays you back
- Get 3.00% cash back on debit card purchases^
- No category restrictions on purchases
- Cash back earned on as much as $300 in purchases monthly
- Earn as much as $108 cash back per year, $9 per month^
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)^
- Link to free Kasasa Saver® to build savings automatically
- No monthly maintenance fee
- No minimum balance to earn rewards
- Free digital banking, including:
- Online banking
- Mobile banking
- eStatements
- $50 minimum deposit to open
Qualifications to Earn Cash Back
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back® account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking or mobile banking
And if you don’t meet these qualifications, don’t worry — your account is still free. And you can get right back to earning your cash rewards the very next cycle that you qualify.
Free Kasasa Saver®
Link this free account to your Kasasa® checking — and build savings automatically while earning high interest.
- Free account that builds your savings effortlessly
- Links to free Kasasa Cash® or Kasasa Cash Back® checking
- Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
- 2.52% APY‡ on balances as much as $50,000
- 1.00% to 0.38% APY on balances over $50,000 depending on balance in account‡
- 0.05% APY‡ on all balances if qualifications are not met in Kasasa Cash or Kasasa Cash Back
- No monthly maintenance fee
- No minimum balance to earn rewards
- Free digital banking, including:
- Online banking
- Mobile banking
- eStatements
- $50 minimum deposit to open
Qualifications to Earn the Higher Rate
Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking or mobile banking
And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate on Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.
Checking Comparison Chart
| Best For | High Interest Earnings | Cash Back on Purchases | Basic Needs |
| Account |
Free Kasasa Cash® Checking |
Free Kasasa Cash Back® Checking | Freedom Checking |
| Monthly Rewards |
· 5.12% APY* on balances as much as $20,000 · 2.50% to 0.36% APY on balances over $20,000 depending on balance in account* · 0.05% APY* on all balances if qualifications aren’t met |
· 3.00% cash back on debit card purchases^ · Cash back earned on as much as $300 in purchases monthly · Earn as much as $108 cash back per year, $9 per month^ · No category restrictions on purchases |
· No minimum balance · No per check charge · Unlimited check writing · Free eStatement2 or monthly paper statement with fee of only $5
|
|
Monthly Maintenance Fee
|
$0 | $0 | $0 |
| Refunds on ATM Withdrawal Fees |
· Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)* · Unlimited FREE ATM transactions at UnionState Bank ATMs4 · Three FREE ATM transactions per month at any ATM4
|
· Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)^ · Unlimited FREE ATM transactions at UnionState Bank ATMs4 · Three FREE ATM transactions per month at any ATM4
|
· Unlimited FREE ATM transactions at UnionState Bank ATMs4 · Three FREE ATM transactions per month at any ATM4 |
|
Free Online & Mobile Banking Access?
|
✔ |
✔ |
✔ |
|
Free Debit Card?
|
✔ |
✔ |
✔ |
|
Minimum Deposit to Open
|
$50 | $50 | $50 |
Qualification Information:
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, debit card purchases processed by merchants and received by our bank as ATM transactions, [PIN-based, signature based] 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.
See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
“Banking Day” means any day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions or for processing.
“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.
“Statement Cycle” means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. See our website or contact one of our branch service representatives for specific Statement Cycle dates.
Reward Information:
Depending on what Kasasa account you have, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle:
- Interest on your checking account balances (Kasasa Cash)
- Interest on your savings account balances (Kasasa Saver)
- Cash back on debit card purchases (Kasasa Cash Back)
Depending on your Kasasa account, when your qualifications are not met, account reward distributions are not made and only the non-qualifying Annual Percentage Yield is earned in interest bearing accounts.
Interest will be credited to the appropriate account on the last day of the current statement cycle.
Cash back refunds will be credited to the appropriate account on the last day of the current statement cycle.
Rates and rewards are variable and may change after account is opened 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.
Qualifications, rates, rewards, fees, account specifics and restrictions may vary by account.
A $50.00 minimum deposit is required to open the account.
Enrollment in electronic services (e.g., online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.
Limit of (2) two account(s) per Primary Owner. There are no recurring monthly maintenance charges or fees to open or close this account.
This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your 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, Kasasa Cash, Kasasa Cash Back, and Kasasa Saver are trademarks of Kasasa Ltd., registered in the U.S.A.
