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Free Kasasa Cash Back Checking

Make shopping more rewarding with 6.00% cash back on debit card purchases. Leave the monthly fees to us and forget about category restrictions on purchases.

Key Features

  • Earn Cash Back
  • No Monthly Maintenance Fees
  • ATM Refunds
  • Free Mobile Banking

CIB Exclusive Features & Benefits

Personal CIB Exclusive Features & Benefits

  • Free checking that pays you back
  • Get 6.00% cash back on debit card purchases
  • No category restrictions on purchases
  • Cash back earned on as much as $200 in purchases monthly
  • Earn as much as $144 cash back per year, $12 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
  • $25 minimum deposit to open

Earning rewards is easy!

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 15 debit card purchases
  • At least 1 direct deposit, ACH payment, or ACH credit transaction(s)
  • Be enrolled in and agree to receive eStatements

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 full rewards the very next cycle that you qualify.

*When Kasasa Cash Back monthly qualifications are met, you will receive 6.0% cash back on the first $200 spent with the debit card; up to a maximum of $12 cash back payment per cycle. Kasasa Saver daily balances up to $100,000 earn an Annual Percentage Yield (APY) of 2.0%  and daily balances over $100,000 will earn an APY of .25% resulting blended APY depending on the account's daily balance. APY effective as of 05/13/2024. You will receive reimbursements of ATM fees up to $25 for ATM transactions incurred within your Kasasa Cash Back account during the Monthly Qualification Cycle in which you qualified. NOTE: Kasasa Saver ATM transaction fees are not reimbursed.

When your Kasasa Cash Back account qualifications are not met, no cash back payments are made, ATM withdrawal fees are not refunded and Kasasa Saver will earn an APY of .05%.

Interest & Cash Back will be credited to your Kasasa Cash Back account and Saver account(s) on the last day of the current statement cycle. Rates are variable and may change after account is opened; rates may change without notice to you. Minimum opening deposit of $25 is required. Early closing fee of $10 if closed within 90 days and other fees may apply. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact a banker for additional information. Member FDIC

Debit card transactions need to post and settle to the account during the cycle period.

Kasasa, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.