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Some banks make you pay for checking. Here at FCB, we think it makes more sense to pay you for checking instead. Kasasa Cash® is a free checking account that pays high interest, regardless of your minimum balance. All you have to do are a few simple things that make banking easier anyway. We'll even refund your ATM withdrawal fees nationwide!* Sign up today.



  • Free checking that pays high interest
    • 2.51% APY* on balances up to $15,000
    • 2.51% to 0.59% APY on balances over $15,000 depending on balance in account*
    • 0.01% 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 service fee
  • Free online banking & bill pay
  • Free e-statements
  • Free mobile banking with mobile deposit
  • Free MasterCard® debit card
  • Unlimited check writing
  • No minimum deposit to open

How to earn our highest rate.

We've made it really easy to earn your rewards. To earn our highest rate, simply do the following activities in your Kasasa Cash account each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle
  • Be enrolled in and agree to receive e-statements

If you miss a month, don't worry! You will still enjoy free checking and there's no penalty for not qualifying in a given month. You'll still earn our base rate — you can get back to earning your full rewards the next month you qualify.

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. Also, small debit card transactions that are not considered to be normal day-to-day spending habits conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle do not count towards earning rewards. For example, five debit card transactions, each for a dollar, conducted at a convenience store, two days before the end of the cycle period would not be considered by our institution as normal day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account’s rewards therefore they will be deemed inappropriate transactions and will not count toward earning the account’s 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.   We reserve the right to convert the account to a different checking account if the account does not have consistent active use over six consecutive statement cycles.

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $15,000.00 receive APY of 2.51%; and balances over $15,000.00 earn 0.30% interest rate on the portion of balance over $15,000.00, resulting in a range from 2.51% to 0.59% APY depending on the account’s balance and (2) you will receive reimbursements up to $20.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. When Kasasa Cash qualifications are not met, all balances in the account earn 0.01% APY and ATM fees are not refunded. Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 01/01/2023. Rates and rewards are variable and may change after account is opened.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. No minimum deposit is required to open the account. Monthly Direct Deposit/ACH debit, receipt of electronic statements and a minimum of 12 POS transactions settled during the monthly qualification cycle are condition(s) of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements, are required to meet some of the account’s qualifications. Limit 1 account(s) per social security number / individual taxpayer identification number / W-7. 

Account Fees: There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Refer to fee schedule for other fees that may apply.


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