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Kasasa Cash

Kasasa Cash® is not just a totally free checking account — it's a totally free checking account that pays YOU! Get Texas-sized, high interest rates and nationwide ATM fee refunds* every month, just for doing a couple of things that will make your banking easier. It's a win-win proposition!

Only $25 Initial Deposit

And to get even more bang for your buck, link it to a free Kasasa Saver® account to receive automatic deposits of your rewards every month so you can save, too. Do You Kasasa?®

Current Rates Financial Calculators

  • 4.00% APY* on balances up to $10,000
  • 4.00% to 0.82% on balances over $10,000 depending on balance in account*
  • 0.05% APY* if monthly qualifications are not met
  • Nationwide ATM fee refunds*
  • No minimum balance to earn rewards
  • No monthly service charge
  • Unlimited check writing
  • Link to Kasasa Saver for automatic savings
  • Free FirstLink online banking & bill pay
  • Free eStatements & eNotices
  • Free Visa® check card
  • Surcharge free ATM network
  • Direct deposit and payroll deduction available
  • 24-hour ATM access
  • 24-hour telephone audio response through First Teller
  • $25 minimum deposit to open

Getting your rewards is easy!

It's so easy to qualify, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 check card purchases post and settle
  • Enroll and receive e-statement notice
  • Be enrolled and log into online banking

That's it! And even if you don't qualify, there's still no monthly service fee and you still earn interest at the base rate. Plus, you can get back to earning the huge rewards the very next monthly qualification cycle!

Identification Needed to Establish an Account

*APY=Annual Percentage Yield. APYs accurate as of 12/01/2022. Rates may change after account is opened. Minimum to open is $25 for Kasasa Cash and $5 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 and credited to account on the first business day of the next monthly statement cycle; (2) balances up to $10,000 receive APY of 4.00%; and (3) balances over $10,000 earn 0.50% dividend rate on the portion of the balance over $10,000, resulting in 4.00% - 0.82% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Qualifying transactions must post and settle to 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 to account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding dividends. Dividends earned in Kasasa Cash are automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual dividends amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5 or higher.