We use cookies on this site to track visits, identify preferences, promote services, improve performance and enhance our users’ experiences. To learn more about cookies, including how to disable them, view our Cookie Policy. By clicking on “Allow” or continuing to browse any content on this site, you consent to our use of cookies. Allow Community bank or credit union? See what Kasasa can do for you Banking that breaks the rules Free, rewarding checking The take-back loan. Banking that puts you first Kasasa checking Free checking, awesome rewards We believe in rewarding account holders. All of our accounts are free, PLUS they pay monthly rewards to fit your lifestyle. You choose how you get rewarded: high rates, cash back, or online shopping credits. What it is What you get How it works People have picked Kasasa over 2,254,556 times! Checking that cares Kasasa is about placing the benefits where they belong… with you. Free Kasasa checking gives you: Truly personal service From people who care, right down the street. Cash rewards every month Earn 34x more than average accounts.* Free checking. No exceptions No monthly maintenance fees, ever. EVER. Your ATM on every corner Refunds on ATM withdrawal fees, nationwide.* Discover an account near you Kasasa Loans® The only loan with take-backs™ You know it’s smart to pay off your loan faster. But what if you need that money later? Now you can pay ahead to save on interest and still have access to those extra funds if you need them. It’s the Kasasa Loan™, the first ever take-back loan. Finally… a loan that gives you options, coming to a community institution near you. I want the Kasasa Loan! Banking with a heart Bank better, bank local Since 2009, Kasasa has been giving back to the people and their communities. We believe in rewarding account holders and their communities. Our local partnerships with banks and credit unions allow you to support your neighbors and businesses. Kasasa offers one of the best checking and savings account packages in the nation. We are quite fun to follow: #AskForKasasa Kasasa Saver® Patent No. 10,387,851 Visit our partner for a comprehensive comparison of accounts in your area! Experience firsthand why Kasasa is voted a “Best Place to Work.” Rewarding careers Community bank or credit union? See what we can do for you. Become a Kasasa provider Copyright © Kasasa, LTD. All rights reserved. Privacy Terms & Conditions Rewarding Careers Contact Kasasa Care Asset Protection Prescription Savings Identity Protection All Kasasa Accounts are insured by either: Kasasa Accounts Disclaimer 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, [PIN-based, signature based] debit card purchases less than $XX, debit card purchases processed by merchants and received by our bank as ATM transactions, [PIN-based, signature based] 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. *Reward Information: Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle: Interest on your checking account balances (Kasasa Cash) Interest on your savings account balances (Kasasa Saver) Interest on your checking account balances and the ability to donate to a designated charity (Kasasa Giving) Cash back on debit card purchases (Kasasa Cash Back) Reimbursements for iTunes, Amazon.com and Google Play purchases (Kasasa Tunes) In addition, you will also receive reimbursements up to an aggregate total of $XX for nationwide ATM withdrawal fees incurred within your checking account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. Depending on your Kasasa account, when your qualifications are not met, account reward distributions are not made and only the non-qualifying Annual Percentage Yield is earned in interest bearing accounts. Interest will be credited to the appropriate account on the last day of the current statement cycle. Cash back refunds, reimbursements for iTunes, Amazon.com and Google Play purchases and nationwide ATM withdrawal fee reimbursements will be credited to the appropriate account on the last day of the current statement cycle. Rates and rewards are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. [No] / [$XX] minimum deposit is required to open the account. Monthly [Direct Deposit/ACH credit], [enrollment in online banking], [is/are/may be] a condition(s)] of [this/these] account(s). 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 [YY] account(s) per [Social Security Number/household]. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Comparison claim based on FDIC’s National Weekly Rates for interest checking accounts vs. the national average of all Kasasa Cash accounts. Comparison Source: Interest Checking, FDIC 09/21/2017. http://www.fdic.gov/regulations/resources/rates/. Claim is independent of any one institution’s offerings. Rates, rewards and comparison results may vary by account and by institution. There are [no] recurring monthly maintenance charges or fees to open or close these accounts. Contact a participating institution’s service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Participating institutions’ deposit accounts are insured by either the FDIC, NCUA or ASI. Trademarks: iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program. Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Saver and Kasasa Tunes are trademarks of Kasasa Ltd., registered in the U.S.A. Kasasa Loans Disclaimer Loan Description: A Kasasa Loan is an innovative fixed rate, fixed term loan that provides consumers with an opportunity to lower their overall interest expense or create an open-end, revolving line of credit, by making payments that are in excess of the loan’s scheduled monthly payments. Unlike traditional personal loans, consumers who have met each of their required schedule payments, can borrow against these excess funds – at the same interest rate as their initial Kasasa Loan – to address unexpected needs (i.e. car repairs, health issues) or take advantage of opportunities (i.e. college acceptance) that may arise. The loan’s available credit limit will be specified in each periodic statement issued by our institution. Loan Rates & Term: Kasasa Loans are subject to credit approval by our institution. Many factors affect credit approval and the interest rate you may receive. Upon approval of your application, your loan’s Annual Percentage Rate (APR) will be established and will not change throughout the life of your loan. Should your application be approved, your Kasasa Loan will begin on the day you sign our loan agreements and will continue until the maturity date or until you have a zero balance in your loan account. Loan Interest Charges & Fees: Interest will begin to accrue, with no grace period, on the date advances are posted to your loan. We use the daily balance method to calculate the interest on your account. Your daily balance is determined by adding any new advances, charges or unpaid accrued interest to the day’s beginning balance and then subtracting any payments or credits that are made. We determine your interest charges by applying a daily periodic rate (i.e. APR / 365) to each daily balance within a billing cycle. In addition to interest, you will also be charged a fee each time you are late on a scheduled payment and a fee for every payment that is returned to you for insufficient funds. Application of Loan Payments: All payments are applied first to any accrued interest, then to the loan’s principal, then to any outstanding fees and finally to create or retire the loan’s revolving line of credit. Additional Information: To qualify, a borrower must be at least 18 years old, a U.S. citizen or a permanent resident and must meet our institution’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other funding criteria. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors including the term of the loan, your financial history, years of experience, income and other factors. Rates and terms are subject to change at any time without notice and are subject to state restrictions. Contact one of our loan representatives for additional information, details, fees and loan application.