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Not only does free Kasasa Saver® make saving easier, it also pays high interest* — and you don't have to maintain a minimum balance or pay a monthly service charge. To make saving effortless, just link your Kasasa Saver to your free Kasasa Cash® or Kasasa Cash Back® checking. We'll transfer your checking rewards to your Kasasa Saver automatically — for savings you don't have to think twice about!


  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash or Kasasa Cash Back checking
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
    • 1.01% APY* on balances up to $15,000
    • 1.01% to 0.39% APY on balances over $15,000 depending on balance in account*
    • 0.05% APY* if qualifications are not met on Kasasa Cash or Kasasa Cash Back
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking
  • Free e-statements
  • Free mobile banking
  • 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 or Kasasa Cash Back 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! Your account is still free, and 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.  “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 your Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the current statement cycle: Kasasa Saver: Balances up to $15,000.00 receive APY of 1.01%; and balances over $15,000.00 earn .30% interest rate on the portion of balance over $15,000.00, resulting in a range from 1.01% to 0.39% APY depending on the account’s balance. Kasasa Cash: Balances up to $15,000.00 receive a non-compounding APY* of 2.48%; and balances over $15,000.00 earn 0.30% interest rate on the portion of balance over $15,000.00, resulting in a non-compounding range from 2.51% to 0.59% APY* depending on the account’s balance. Kasasa Cash Back: 2.00% cash back on up to a total of $300.00 PIN-based/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. When Kasasa Cash/Cash Back qualifications are not met, Kasasa Saver: All balances earn 0.05% APY. Kasasa Cash: All balances earn a non-compounding APY* of 0.01%. Kasasa Cash Back: No cash back payments are made. *When linked to the Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day.  Due to non-compounding, the actual interest amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. APY = Annual Percentage Yield. APYs accurate as of 03/10/2020. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly Direct Deposit/ACH debit, receipt of electronic statements are a condition(s) of these accounts.  Limit 1 account per social security number / individual taxpayer identification number / W-7]. An account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. 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. 

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