Earn high interest for keeping your money here in Minnesota — where it can make the most difference.
Really High Interest
Refunds on ATM Withdrawal Fees*
No Monthly Maintenance Fee
No Minimum Balance Requirement
- Free checking that pays high interest
- 1.00% APY* on balances up to $25,000.99
- 1.00% to 0.32% APY on balances over $25,000.99 depending on balance in account*
- 0.05% APY* if qualifications aren't met
- Refunds on ATM withdrawal fees, nationwide*
- Link to free Kasasa Saver® to build savings automatically
- No monthly maintenance fee
- No minimum balance to earn rewards
- Wide range of digital banking services:
- Free Mastercard® debit card
- $50 minimum deposit to open
Earning Your Rewards is Easy
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least 10 debit card purchases
- Be enrolled in and agree to receive E-Statements
- Be enrolled in and log into online banking
That's all there is to it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free, and you'll still earn our base rate. Plus, you can get right back to earning your full rewards the very next cycle that you qualify.
*APY=Annual Percentage Yield. APYs accurate as of 5/12/2022, the interest rate and annual percentage yield may change. Kasasa Cash, a free checking account with no minimum balance that rewards customers with interest and ATM fee refunds when meeting monthly qualifications. Rate Information: Kasasa Cash is an interest bearing account. If the daily balance is less than $25,001.00, the interest rate paid on that portion of the balance will be 1.00%. The annual percentage yield for this tier will be 1.00%. If the daily balance is more than $25,000.99 the interest rate paid on the portion of the balance will be 0.32%. The annual percentage yield for this tier will range from 0.32% to 1.00%. At our discretion, we may change the interest rate on the account at any time. When the Kasasa Cash qualifications are NOT met, the interest rate on your account will be 0.05% and the annual percentage yield will be 0.05%. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. Limitations: Opening deposit $50.00. To qualify for KASASA Cash rates and receive reimbursements on your ATM fee surcharges, you must perform the following during the monthly qualification cycle. 1)Have at least 10 debit card purchases posted and settled 2)Be enrolled and receive e-statements 3)Be enrolled and log into online banking during the monthly qualification cycle. Transactions must post and settle (not be in a pending state) to your account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post and settle to an account. Monthly Qualification Cycle and Monthly Statement Cycle Explanation: Monthly Qualification Cycle means a period beginning one banking day prior to the first day of the current statement cycle through one banking day prior to the close of the current statement cycle. **Other Account Information: ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a BankVista Representative. Note: ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards within this account. KASASA Cash with Saver: When your KASASA Cash account is linked to your KASASA Saver account, the Interest earned and any refunded ATM fees are credited to your KASASA Saver account on the last day of your statement cycle. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $25,001.00 in Kasasa Saver receive an APY of 0.75%; and (2) balances over $25,000.99 in Kasasa Saver receive an APY of 0.27% on portion of balance over $25,000.99, resulting in 0.27% - 0.75% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.05% APY. Limit one account per SSN.