Kasasa Cash

Want more than free checking? Are you a resident of Kentucky or Tennessee? Choose Kasasa Cash® — free checking that puts cash in your pocket. Earn a really high 1.50% Annual Percentage Yield* on balances up to $25,000, plus up to $25 in refunds on ATM fees each month.*

And that's not just in South Central Kentucky. We'll refund your ATM fees from coast to coast. Your free Kasasa Cash account then links to free Kasasa Saver® account — where your rewards automatically transfer each month — for an easy, automatic way to save!

Kasasa Cash
  • 1.50% APY* paid on balances up to $25,000
  • 1.50% to 0.42% APY paid on balances over $25,000 depending on balance in account*
  • 0.05% APY* paid even if qualifications aren't met
  • Get up to $25 in refunds on ATM fees per month ($4.99 per single transaction)*
  • Rewards can be transferred to a free Kasasa Saver account
  • No minimum balance to earn your rewards
  • No monthly maintenance fee
  • Free online banking & bill pay
  • Free e-Statements
  • Free Visa® check card
  • Unlimited check writing
  • Low $100 minimum deposit to open

Easy, Penalty-free Qualifications:

We reward you in cash when you meet straightforward qualifications — simple things that save you time and save us money. To earn your complete Kasasa rewards, just do the following during each monthly qualification cycle:

  • Full-time resident of Kentucky or Tennessee
  • Have at least 12 check card purchases post and settle
  • Be enrolled and receive e-Statements
  • Have at least 1 automatic payment (ACH) or direct deposit post and settle

That's it. Plus, your free checking account is always free — there's no penalty fee if you don't qualify. Plus, you still earn our base interest rate. Then get back to a higher rate and your refunds on ATM fees the very next cycle.

See our current rates.

*APY=Annual Percentage Yield. APYs accurate as of 9/1/2014. Rates may change after account is opened. Minimum to open is $100 for Kasasa Cash and $100 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 up to $25 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 1.50%; and (3) balances over $25,000 earn 0.15% interest rate on the portion of the balance over $25,000, resulting in 1.50% - 0.42% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. Transfers between accounts do not count as qualifying transactions. Limit two accounts per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.