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Earn a really high rate, plus ATM withdrawal refunds2, with this free account. It’s just our way of thanking you for banking here!

Key Features

  • Key Feature One Competitive Interest
  • Earns High Interest Earns High Interest
  • Free Checking Free Checking
  • Refunded ATM Withdrawal Fee Refunded ATM Withdrawal Fee

Here’s How to Qualify

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 12 debit card purchases
  • At least 1 direct deposit, ACH payment, ACH credit, or bill pay transaction
  • Be enrolled in and agree to receive eStatements

It’s really just that easy. Even if you don't qualify, you still enjoy free checking like a boss. And you can get back to earning your full rewards the very next cycle.


*Kasasa Account Information


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 less than $0.01, 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) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Visit us or call 315-343-0057 and speak to one of our branch service representatives for specific Monthly Qualification Cycle dates.


Reward Information:

1When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $30,000 in your Kasasa Cash account earn an interest rate of 3.93% resulting in an Annual Percentage Yield (APY) of 4.00%; and average daily balances over $30,000 earn an interest rate of 0.50% on the portion of the average daily balance over $30,000, resulting in a range from 0.50% to 4.00% APY depending on the account's average daily balance.

APYs accurate as of 08/01/2023.

Blended APY Range of 4.00%-1.31% is an example of rates for account balances up to $130,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days; actual blended APY on statements may vary based on total account balance.

When your Kasasa Cash qualifications are not met, the interest rate earned on the account's entire average daily balance will be 0.05% resulting in an APY of 0.05% and ATM withdrawal fees are not refunded.

2You will receive reimbursements up to an aggregate total of $25.00 (up to $4.99 per single transaction) for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal 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.

Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle.

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. You will automatically qualify for the account’s rewards during your account’s first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.

Additional Information:

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

$100.00 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one (1) account per Social Security Number.

To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each monthly qualification cycle: At least one (1) ACH credit or ACH payment transaction(s), at least twelve (12) debit card purchases, and you must be enrolled in and have agreed to receive e-statements.

3There are no recurring monthly maintenance charges or fees to open or close this account. Certain transaction and service fees may apply. Refer to the Fee Schedule for more information.  Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our bank service representatives at 315-343-0057 for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Member FDIC.


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

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