Free Kasasa Cash® Checking

Earn really high interest on your checking balance every month — plus refunds on ATM withdrawal fees, nationwide!* It’s free checking that rewards you just for banking locally.


  • Free checking that pays high interest
    • 2.02% APY* on balances up to $10,000
    • 2.02% to 0.41% APY on balances over $10,000 depending on balance in account*
    • 0.05% APY* if qualifications aren’t met
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free Online and Mobile Banking, including:
    • Free Online Bill Pay
    • Free Mobile Deposit
    • Free Online Statements
  • Free Citizens Bank ATM / Debit Card
  • $100 minimum deposit to open


It’s easy to earn your 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 15 debit card purchases
  • At least 1 direct deposit or ACH credit transaction
  • Be enrolled in and review Online Statements (aka “e-statements”)

That’s it! Even if you don’t meet your qualifications during the cycle, your Kasasa Cash account is still free, and you’ll still earn our base interest rate. Plus, you can get right back to earning your full rewards the very next month.

Click here for complete account information

Visit any of our Convenient Locations to open an account


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