Withdraw your cash without fees.
Opting for free Kasasa® Checking or bringing in your receipts is an easy way to keep more of your money!*
Benefits You’ll Love
- Refunds on ATM withdrawal fees*
- Simple qualifications
- Broad ATM access
- Compatible with all checking accounts
Make any ATM your ATM!
You can earn refunds on your nationwide ATM fees* with any free Kasasa® checking account. All you have to do to earn these rewards is meet some easy monthly qualifications — things you're probably already doing.
To Qualify:
In order to receive Kasasa rewards — including refunds on your ATM fees — simply do the following each monthly qualification cycle:
- Have at least 10 debit card purchases (excluding ATM) post to and settle each cycle (This means using your debit card for all your typical everyday expenditures).
- Be enrolled and receive E-Statement notice
If you don't meet the qualifications, don't worry. There is no penalty and you still have a free checking account that earns our base rate of interest. Plus, you can get back to earning huge interest and receiving nationwide ATM fee refunds the very next qualification cycle!
Not a Kasasa account holder?
That's OK! You still qualify for refunds on non-Incommons ATM fees — up to 3 times per month — with our other accounts, such as Interest Checking and More Than Free Checking. Just bring your receipts to any local branch.
Important Memo regarding your account:
"The Bank reserves the right for any reason in the Bank's sole discretion, with or without cause, to close any Account without prior notice to any of the Account holders, by payment of the Account balance to one or more of the Account holders. Upon termination of an Account hereunder, the Bank may return unpaid any item presented for payment against the closed Account, without liability to any party."
For any questions regarding this notice or any of our accounts please contact your local branch or the main branch 254-562-3821 or email to [email protected]
*APY=Annual Percentage Yield. APYs accurate as of 05/09/2023. Rates may change after account is opened. Minimum to open is $50 for Kasasa Cash and $100 for Kasasa Saver. A monthly direct deposit or ACH is required to maintain the accounts. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $5.00 per single transaction and credited to account on the last day of monthly statement cycle; (2) balances up to $20,000 receive APY of 2.00%; and (3) balances over $20,000 earn 0.50% interest rate on the portion of the balance over $20,000, resulting in 2.00% - 0.80% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Fees could reduce earnings. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. ATM fees incurred during the monthly qualification cycle will be reimbursed if qualifications are met during the monthly qualification cycle. ATM fee reimbursements will be credited to your account on the last day of your statement cycle. Domestic ATM receipt may be required for reimbursement of an individual ATM fee of $5.00 or higher. Full disclosure or clarification provided upon request.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates of Deposit
| Account Type | Minimum Deposit | Compounding | Rate | APY |
|---|---|---|---|---|
| Six Month | $2,500.00 | At Maturity | 3.50% | 3.53% |
| One Year | $1,000.00 | Monthly | 3.00% | 3.04% |
| Eighteen Month | $1,000.00 | Monthly | 3.00% | 3.04% |
| Two Years | $1,000.00 | Monthly | 2.50% | 2.53% |
| Three Years | $1,000.00 | Quarterly | 0.95% | 0.95% |
| Four Years | $1,000.00 | Quarterly | 0.85% | 0.85% |
| Five Years | $1,000.00 | Quarterly | 0.75% | 0.75% |
Penalty for early withdrawal may apply.
Deposit Accounts
| Account Type | Minimum Deposit | Compounding | Rate | APY |
|---|---|---|---|---|
| Savings | $100 | Quarterly | 0.25% | 0.25% |
| Interest Checking | $50 | Monthly | 0.20% | 0.20% |
| Business Interest Checking | $50 | Monthly | 0.20% | 0.20% |
These accounts bear interest under a variable rate, which can be changed at any time. Changes in the rate will be posted in the Bank's lobby.
Health Savings Account
| Account Type | Minimum Deposit | Compounding | Rate | APY |
|---|---|---|---|---|
| Health Savings Account (HSA) | $100.00 | Monthly | 0.01% | 0.01% |
Minimum balance fees could reduce interest earnings.
Individual Retirement Accounts
| Account Type | Minimum Deposit | Compounding | Rate | APY |
|---|---|---|---|---|
| Twelve Month IRA | $500.00 | Monthly | 3.00% | 3.04% |
| Eighteen Month IRA | $500.00 | Monthly | 3.00% | 3.04% |
| Twenty-Four Month IRA | $500.00 | Monthly | 2.50% | 2.53% |
Some of the accounts listed may require a minimum daily balance and/or impose a penalty for early withdrawal.
Contact a new account representative for further information about applicable fees and terms.
Kasasa Cash*
| Balance | Minimum Deposit | Rate | APY |
|---|---|---|---|
| $0 - $10,000.00 | $50 | 4.889% | 5.00% |
| $10,000.01 + | $50 | 0.499% | 5.00% - 0.95% |
| All balances if qualifications not met | $50 | 0.05% | 0.05% |
Qualifications
In order to receive the rewards, simply do the following each monthly qualification cycle:
- Have at least 15 debit card purchases (excluding ATM) post to and settle each cycle (This means using your debit card for all your typical everyday expenditures).
- Be enrolled and receive e-statement notice
If you don't meet the qualifications, don't worry. There is no penalty and you still have a free checking account that earns our base rate of interest. Plus, you can get back to earning huge interest and receiving nationwide ATM fee refunds the very next qualification cycle!
Kasasa Saver*
| Balance | Minimum Deposit | Rate | APY |
|---|---|---|---|
| $0 - $100,000.00 | $100 | 1.499% | 1.50% |
| $100,000.01 + | $100 | 0.499% | 1.50% - 1.00% |
| All balances if qualifications not met | $100 | 0.05% | 0.05% |
Qualifications
It's easy to qualify — and qualifying for the Kasasa Cash rewards automatically qualifies you for the Kasasa Saver reward rate too. Simply do the following each monthly qualification cycle:
- Have at least 15 debit card purchases post and settle (to your Kasasa Cash account)
- Be enrolled and receive e-statement notice
If you don't qualify one month, don't worry! Both accounts still earn our base interest rate. And you can get back to earning the full rewards the next month you qualify.