We don’t believe in guilty pleasures. With free Kasasa Cash Back® checking, you won’t either! Get cash back on debit card purchases for doing simple banking activities.

  • Free checking that pays you back
  • 3.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $200 in purchases monthly
    • Earn up to $72 cash back per year, $6 per month
  • Unlimited refunds on ATM withdrawal fees, nationwide*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free online banking & bill pay
  • Free mobile banking with mobile deposit
  • Free e-statements (required to maintain account)
  • Free Mastercard® debit card
  • $50 minimum deposit to open

Earning Cash back is easy as 1.2.3.

  1. Use your debit card at least 12 times per month for purchases.
  2. Be green and sign up for eStatements.
  3. Be enrolled and log into online banking at least once a month.

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: 

Even if you don’t meet your qualifications during the cycle, your Kasasa Cash Back account is still free. And you can get back to earning your full rewards the next month.

Qualification Dates

The following are the deadlines for completing your qualifications to earn rewards for your Kasasa® accounts.


2023 Monthly Qualification Cycle (Begin) Monthly Qualification Cycle (End) Statement Cycle Date
Statement Cycle Date
January 12/30/2022 01/30/2023 01/01/2023 01/31/2023
February 01/31/2023 02/27/2023 02/01/2023 02/28/2023
March 02/28/2023 03/30/2023 03/01/2023 03/31/2023
April 03/31/2023 04/27/2023 04/01/2023 04/30/2023
May 04/28/2023 05/30/2023 05/01/2023 05/31/2023
June 05/31/2023 06/29/2023 06/01/2023 06/30/2023
July 06/30/2023 07/28/2023 07/01/2023 07/31/2023
August 07/29/2023 08/30/2023 08/01/2023 08/31/2023
September 08/31/2023 09/28/2023 09/01/2023 09/30/2023
October 09/29/2023 10/30/2023 10/01/2023 10/31/2023
November 10/31/2023 11/29/2023 11/01/2023 11/30/2023
December 11/30/2023 12/28/2023 12/01/2023 12/31/2023

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 3.00% cash back on up to a total of $200 PIN-based or signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $6.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of current statement cycle. Rates and rewards are variable and may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. Enrollment in mobile banking, receipt of electronic statements may be a condition of this account. Enrollment in electronic services (e.g. online or mobile banking, electronic statements, and log-ons) may be required to meet some of the account's qualifications. Limit 1 account per primary account holder's social security number. A $30 early closing fee applies if account is closed prior to 180 days of account opening. Contact one of our member service specialists for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.