It's free checking that doesn't just pay. It pays you back.

Earn cash back on debit card purchases — monthly. No points to redeem or minimum balance requirements to earn rewards.

Features You’ll Love 

  • Easy, low-maintenance way to earn a little extra
  • Connects to free Kasasa Saver for simple saving power
  • No monthly fees or minimum balance requirements

*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, 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) 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 Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 4.00% cash back on up to a total of $200 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to an aggregate total of $20 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within 30 calendar days of the withdrawal transaction. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of current statement cycle. Rates and rewards are variable and may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open the account. Monthly enrollment in online banking, receipt of electronic statements, and at least 12 debit card purchases post and settle are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons may be required to meet some of the account’s qualifications. Limit 1 account per social security number as primary owner. 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 Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A. 

Kasasa Cash CalculatorDisclaimer

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.

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  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

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.

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2. Loan Details
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CD CalculatorDisclaimer

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.

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  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

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.

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Simple Loan CalculatorDisclaimer

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.

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  • Total paid $0
  • Total interest paid $0

Certificates of Deposit (CDs)

Term Minimum Required Opening Deposit Interest Rate APY
3 Months (Assumes 90 Days) $1,000 2.00% 2.02%
6 Months (Assumes 182 Days) $1,000 2.25% 2.27%
1 Year (Assumes 365 Days) $1,000  3.50% 3.55%
18 Months

$1,000

3.50%

3.55%

2 Years $1,000 3.50% 3.55%
3 Years $1,000 2.25% 2.30%
4 Years $1,000 2.25% 2.30%
5 Years $1,000 2.25% 2.30%

 

Certificate of Deposits are subject to an early withdrawal penalty, if we allow the withdrawal of any of the principal prior to maturity.

Free Kasasa Cash Checking*

Balance Minimum Required Opening Deposit Interest Rate APY
$0 - $20,000 $25 3.9284% 4.00%
$20,000+ $25 0.4988% 4.00% to 1.08%
All balances if qualifications not met $25 0.05% 0.05%

Qualifications

By doing banking basics that you’re probably already doing (we call them “qualifications”), you earn rewards. To earn your rewards, just do the following transactions and activities in your Kasasa Cash® account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive E-Statements
  • Be enrolled in and log into online banking

Even if you don’t meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you’ll earn our base interest rate. And you can get right back to earning your full rewards the very next month!

Freedom Checking

Balance Minimum Required Opening Deposit Interest Rate APY
$0 - $4,999.99 $2,000 0.05% 0.05%
$5,000 - $9,999.99 $2,000 0.05% 0.05%
$10,000+ $2,000 0.25% 0.25%

Health Savings Accounts

Opening Deposit Interest Rate APY
$25.00 0.25% 0.25%

Health Savings Accounts (HSAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your HSA Agreement or your tax advisor for additional information. 

Individual Retirement Accounts (IRAs)

Type Term Minimum Required Opening Deposit Interest Rate APY
Regular IRA CD - Fixed Rate $500 1-5 Yr. CD
Roth IRA CD - Fixed Rate $500  Rates Apply
Roth IRA Variable Rate $500 3.00% 3.03%
Self Directed IRA Variable Rate $500 3.00%

3.03%

 

The applied interest rates and corresponding annual percentage yields are subject to change for Money Market Accounts and Certificate of Deposits on the day following the U.S. Treasury Bill Auction usually held on Monday of each week. We may change the applied interest rates and annual percentage yields on the Money Market Tiers each week.

Jumbo CDs ($100,000+)

Term

Min. Required

Opening Deposit

Interest Rate APY

12 Months

$100,000 4.00% 4.06%

Certificate of Deposits are subject to an early withdrawal penalty, if we allow the withdrawal of any of the principal prior to maturity.

Kasasa Saver*

Balance Minimum Required Opening Deposit Interest Rate APY
$0 - $100,000 $25 1.9819% 2.00%
$100,000+ $25 0.4988% 2.00% to 1.25%
All balances if qualifications not met $25 0.05% 0.05%

Qualifications

Qualifying for Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver® rate too. Simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive E-Statements
  • Be enrolled in and log into online banking

It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.

National Market Rates (Source: Wall Street Journal)

  09/23/2025

10/30/2025

13 Week U.S. Treasury Bill 3.860% 3.73%
26 Week U.S. Treasury Bill 3.705% 3.63%
Federal Funds Target Rate 4.00% 3.75%
Federal Reserve Discount Rate 4.25% 4.00%
Prime Rate 7.25%

7.00%

 

Effective July 21, 2010 FDIC deposit insurance permanently raised to $250,000 per depositor.

Ohio Homebuyer Plus Program

Balance Minimum Required Opening Deposit Interest Rate  APY
$100 - $100,000 $100 6.00% 6.17%

Statement & Minor Savings Accounts

Balance Interest Rate APY
$0 - $9,999.99 0.05% 0.05%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 0.15% 0.15%
$50,000+ 0.25% 0.25%

Statement Savings Accounts can be opened with $25.00 minimum.

Minor Savings Accounts can be opened with $5.00 minimum.

Super Saver Savings

Balance Minimum Required Opening Deposit Interest Rate APY
$0.01 to $9,999.99 $25 0.05% 0.05%
$10,000 to $24,999.99 $25 0.10% 0.10%
$25,000 to $49,999.99 $25 0.15% 0.15%
$50,000 to $99,999.99 $25 0.25% 0.25%
$100,000 and over $25 3.50% 3.55%