Kasasa Cash

Free checking? Great. But free checking that pays you? That's Kasasa Cash®. Earn a high 2.02% APY* on balances up to $25,000 — like a goose that lays a golden egg each month. We'll even tack on as much as $25 in ATM fees refunds*, not just in Southeast Illinois, but nationwide!

Get started today with a $100 minimum deposit to open. And automatically qualify for full rewards your first month.

  • 2.02% APY* paid on full balance up to $25,000
  • 0.35% interest rate paid on balances over $25,000, resulting in a 2.02% - 0.68% APY* depending on balance
  • 0.15% APY* paid even if qualifications aren't met
  • Up to $25 in nationwide ATM fee refunds* (up to $4.99 per single transaction)
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking & bill pay
  • Free e-Statements
  • Free debit card
  • Low $100 minimum deposit to open
  • Plus, link to Kasasa Saver® for hands-free saving!

Penalty-free Qualifications:

Kasasa Cash is always free. In fact, even if you don't qualify one month, you still earn base-rate interest. But earning your full rewards is easy — just do the following during each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle (not counting ATM transactions)
  • Be enrolled and review e-statement

That's it. Qualifications are straightforward and simple. Better yet, they're designed to streamline your entire banking experience. And there's no penalty fee if you come up short. You're still eligible for full rewards the very next month!

*APY=Annual Percentage Yield. APYs accurate as of 04/01/2013. Rates may change after account is opened. Minimum to open is $100 for Kasasa Cash and $100 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 2.02%; and (3) balances over $25,000 earn 0.35% interest rate on the portion of the balance over $25,000, resulting in 2.02% - 0.68% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances earn 0.15% APY. Qualifying transactions must post 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 and settle account. ATM-processed transactions do not count toward qualifying debit 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. The advertised Kasasa Cash APY is based on compounding interest. You must have a Kasasa Cash account in order to open a Kasasa Saver account; interest earned in Kasasa Cash is then automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $35,000 in Kasasa Saver receive an APY of 0.45%; and (2) balances over $35,000 in Kasasa Saver earn 0.15% interest rate on portion of balance over $35,000, resulting in 0.45% - 0.23% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.05% APY. Limit one account per Social Security Number. If your ATM fee is $5.00 or higher, you will need to contact the bank in order to receive the maximum $4.99 per individual transaction reimbursement.