Free Kasasa Cash Back

Enjoy free checking that pays you to go shopping.

If you’ve ever paid a fee on a checking account, Kasasa Cash Back® is here to make up for it. Instead of you paying a monthly service fee, Kasasa Cash Back pays you every month.

Earn 3.00% cash back for making the debit card purchases you normally make.* You can earn up to $144 cash back per year!* You’ll also get refunds on your ATM fees, nationwide* — so every ATM is your ATM.


  • 3.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned up to $144 back per year, $12 back per month
  • Refunds on ATM fees, nationwide (up to $20 monthly)*
  • Free Kasasa Saver® available
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking with bill pay
  • Free eStatements
  • Free mobile banking
  • Free debit card1
  • Unlimited check writing
  • No minimum deposit to open

Earning your rewards is really easy.

To earn your rewards, just do the following transactions and activities in your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • Have at least 1 ACH debit transaction post and settle
  • Have at least 12 debit card purchases post and settle
  • Be enrolled in online banking and agree to receive eStatements

Simple as that.  And don’t worry if you do not meet your qualifications during the cycle — your Kasasa Cash Back account is still free.  Plus, you can get right back to earning your cash rewards the very next cycle that you qualify. 

For more clarification, please see our Qualifications Calendar (2019).

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*Additional Information:

No minimum balance requirements.  If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 (up to $4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) you receive 3.00% cash back on debit card purchases that post and settle to the account during qualification cycle, up to a maximum cash back of $12.00 per monthly qualification cycle.  If qualifications are not met:  (1) you will not receive cash back on debit card purchases and (2) ATM fees are not refunded.  Qualifying transactions must post and settle to the account during the monthly qualification cycle.  Transactions may take one or more banking days from the date transaction was made to post and settle to the account.  Transfers between accounts do not count as qualifying transactions.  ATM-processed transactions do not count toward qualifying debit card transactions.  Monthly qualification cycle is not the same as monthly statement cycle.  Available on consumer purpose accounts only, limit one Kasasa checking account per SSN.

1 For those who are eligible.

All deposits are FDIC insured to applicable deposit insurance limit.


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