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Free Kasasa Cash Checking

Calculator Rates

Give your balance a 6.00% APY* boost. Enjoy free checking that pays high interest and gives you access to the free services needed to manage cash effectively.

Key Features

  • Earn High Interest
  • No Monthly Maintenance Fees
  • ATM Refunds
  • Free Mobile Banking

CIB Exclusive Features & Benefits

Personal CIB Exclusive Features & Benefits

  • Free checking that pays high interest
  • 6.00% APY on balances up to and including $25,000
  • 6.00% to 1.40% APY on balances over $25,000 depending on balance in account
  • 0.05% APY on all balances if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)
  • Link to free Kasasa Saver® to build savings automatically  
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • $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® 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. 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. 

*When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Kasasa Cash account earn an Annual Percentage Yield (APY) of 6.00%; and daily balances over $25,000 earn an APY of 0.25%, resulting in a blended APY between 6.00%-1.40% depending on the account's daily balance. Kasasa Saver balances up to $100,000 earn an APY of 2.0% and daily balances over $100,000 will earn an APY of .25% resulting in a blended APY depending on the account's daily balance. APY rates effective as of 05/13/2024. You will receive reimbursements of ATM fees up to $25 for ATM transactions incurred within your Kasasa Cash account during the Monthly Qualification Cycle in which you qualified. NOTE: Kasasa Saver ATM transaction fees are not reimbursed.

When your Kasasa Cash qualifications are not met during a Monthly Qualification Cycle, the account balance in Kasasa Cash and Kasasa Saver will earn an APY of 0.05% and ATM withdrawal fees are not refunded.

Interest will be credited to your Kasasa Cash and Kasasa Saver account(s) on the last day of the current statement cycle. Rates are variable and may change after account is opened and 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.

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