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Accounts

Personal Accounts and Services

Kasasa Premier Cash with Saver Account


Choose free checking that pays you in high interest¹ and refunds on your ATM fees.**

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Now you can earn our highest interest rate on your free Kasasa Premier Checking with the Kasasa Premier Saver account.  The interest and ATM fee refunds earned on your Kasasa Premier Checking account will automatically be transferred to your Kasasa Premier Saver account at the end of each statement cycle. Both the Kasasa Premier Checking and the Kasasa Premier Saver accounts are free accounts with no minimum balance qualifications or monthly service charges.

Kasasa Premier w/Saver Account Information

Qualification Information:

To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Premier Checking account during each Monthly Qualification Cycle:

  1. At least 1 direct deposit or ACH automatic debit,
  2. At least 15 PIN-based/signature-based debit card purchases, each $5.00 or more
  3. Be enrolled in and have agreed to receive e-statements rather than paper statements

For clarity, in order to count as a qualifying transaction for the purpose of earning the account’s rewards PIN-based/signature-based debit card purchases must be at least $5.00.

When your Kasasa Premier Checking account qualifications are met during a Monthly Qualification Cycle:

Kasasa Premier Checking: daily balances up to and including $15,000 in your Kasasa Premier Checking earn a non-compounding APY of 1.00%; and daily balances over $15,000 earn an APY 0.15% on the portion of the daily balance over $15,000, resulting in a non-compounding range from 1.00% to 0.26% APY depending on the account’s daily balance.

Kasasa Premier Saver: daily balances up to and including $100,000 in your Kasasa Saver account earn an APY of 4.00%; and daily balances over $100,000 earn an APY of 0.15% on the portion of the daily balance over $100,000, resulting in a range from 4.00% to 2.08% APY depending on the account’s daily balance.

ATM withdrawal fees up to $20 incurred on the account during that Monthly Qualification Cycle when account qualifications are met. ATM receipt must be presented for reimbursement of an individual ATM fee of $5 or higher.

Statement cycle ends on the 11th of the month. If the 11th falls on a holiday or weekend, the statement cycle will end on the first business day after the 11th. The qualification cycle begins on the 11th or the last day of the current statement cycle and ends on the last business day before the 11th. All qualifying transactions must be posted and settled by no later than the last business day before the 11th.

When your account qualifications are not met the account will still function as a free account, ATM withdrawal fees are not refunded, and the entire daily balances in both the Premier Checking and Premier Saver will each earn an APY of 0.15%.

1APY = Annual Percentage Yield APY is accurate as of 11/15/2022. This account is variable. The APY is determined at our discretion, and we may change the APY at any time without any limitations, and without notice to you.

Additional Information: A Kasasa Premier Checking account is required in order to have a Kasasa Premier Saver account. Rewards earned in the Premier Checking are automatically transferred into the linked Premier Saver account at the end of the statement cycle and therefore does not remain in the Premier Checking. No minimum balance required to open. No minimum balance required to earn rewards. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. Limit one Premier Checking and one Premier Saver per household. Fees may reduce earnings. Subject to approval.

 

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Kasasa Cash Back Checking


Discover the free checking account that pays you for making purchases and refunds your ATM fees.**

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Free checking account that pays 3% cash back on qualifying debit card purchases up to a total cash back of $6 monthly. You can choose to pair your Kasasa Cash Back Checking account with our Kasasa Saver savings account.

The cash back and ATM fee refunds earned on your Kasasa Cash Back Checking will automatically be deposited into your Kasasa Saver savings account on the last day of each statement cycle. Both the Kasasa Cash Back Checking and the Kasasa Saver savings accounts are free accounts with no minimum balance qualifications or monthly service charges.

 

EARN Cash Back
3% on everyday debit card purchases1

PLUS ATM Fee Refunds Nationwide!**

 

Kasasa Cash Back qualifications per cycle:

  1. Post and settle 10 Debit Card Purchases (Excluding ATM withdrawals and Returns)
  2. Post and settle one Direct Deposit or ACH auto debit
  3. Enroll and receive electronic statements

1 When monthly qualifications are met, you receive 3% cash back on debit card purchases that post and settle to account during monthly qualification cycle up to a total cash back of $6.00 per monthly qualification cycle (up to $200.00 in debit card purchases). Qualifying transactions must post and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to the account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. If qualifications are not met during the monthly qualification cycle, the account will still function as a free account. No minimum balance required.

**ATM refunds up to $20 per statement cycle if qualifications are met. Any individual ATM fee of $5.00 or more must be brought into one of our offices to receive the refund at the end of the cycle after qualifications are met.

Fees may reduce earnings (i.e. overdraft fees, stop payment fees, etc.). Subject to approval.

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Kasasa Saver


Combine this savings account with a Kasasa Cash or Cash Back account and earn more savings.

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EARN Reward Rate
0.71% APY2

On Savings balances up to $75,000


OR Base Rate
0.15% APY²

If qualifications are not met on Kasasa Cash w/Saver Checking


AND Reward Rate
0.15% APY²

On your Savings Balance over $75,000

 

² Annual Percentage Yield (APY) accurate as of June 12, 2020. Rate tiers are as follows: 0.71% APY on savings daily balances up to $75,000, and 0.15% APY on portion of savings daily balance over $75,000 each qualification cycle that qualifications are met. If qualifications are not met, full savings daily balances will earn 0.15% APY for the statement cycle. Rates are variable and can change at any time. Savings account inactivity fees may reduce earnings on savings account. Statement cycle ends on the 11th of the month. If the 11th falls on a holiday or weekend, the statement cycle will end on the first business day after the 11th. The qualification cycle begins on the 11th or the last day of the current statement cycle and ends on the last business day before the 11th. All qualifying transactions must be posted and settled by no later than the last business day before the 11th. When a Kasasa Saver is linked to a Kasasa Cash or Cash Back Checking account the rewards earned in the Kasasa Cash or Cash Back Checking account is automatically transferred into the linked Kasasa Saver account at the end of the statement cycle and therefore does not remain in the Kasasa Cash or Cash Back Checking account. Savings account inactivity fees may reduce earnings on savings account. Having a Kasasa Cash or Cash Back Checking account is required in order to have a Kasasa Saver Account. Fees may reduce earnings (i.e. overdraft fees, stop payment fees, etc.). Subject to approval.

 

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Statement Savings


There are many reasons why you may want to put money aside. Why not start saving today for yourself, your children, or your grandchildren?1, 2

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  • $100 Minimum Deposit to Open
  • Ask Us about Our Current Rates
  • Free Online Banking and Mobile Banking
  • Unlimited Number of Deposits and Withdrawals
  • ATM Card Transactions ONLY
  • $2 Per Month Service Charge if Daily Balance Drops Below $100
  • Electronic Statements available – statements produced twice a year in June and December

1 Subject to approval. 2 Some restrictions do apply. Fees may reduce earnings on account.

 

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Money Market Account


This account offers unlimited number of deposits and allows you to earn interest on your current balance.

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Market rates plus convenient access to your funds.1, 2

  • $2,500 Minimum Deposit to Open
  • Ask Us about Our Current Rates
  • Free Online Banking and Mobile Banking
  • Unlimited Number of Deposits and Withdrawals
  • Unlimited Teller Transactions
  • $10 Per Month Service Charge if Daily Balance Drops Below $2,500

1 Subject to approval. 2 Some restrictions do apply. Fees may reduce earnings on account.

 

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Interest Checking (Super Now Account)


Every penny helps.  Make your money work for you.  Interest Checking¹‚² allows you to earn interest on your current balance.  Monitor your finances through online and mobile banking at your convenience.

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A valuable package of financial services plus interest.1, 2

  • $1,000 Minimum Deposit to Open
  • Ask Us about Our Current Rates
  • Free Visa® Debit Card
  • Free Online Banking, Mobile Banking, and Bill Pay
  • $10 Per Month Service Charge if Daily Balance Drops Below $1,000
  • Electronic Statements Available

1 Subject to approval. 2 Some restrictions do apply. Fees may reduce earnings on account.

 

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CDs & IRAs

Let us help you save for the future. Check out our CDs and IRAs.

If you are looking for a way to make your money work for you, then ask about our full line of Certificates of Deposits. We have many rate and term options from which to choose. Please have a valid photo ID with you when opening a CD.

Ask us about our IRAs!

 

* Rate Choice Certificate – Bump up once each 12 month period

The rate may change after the account is opened

Rates shown above effective 02/08/2023

Fees may reduce earnings on the account

A penalty may be imposed for early withdrawal

** Annual Percentage Yield

These rates and annual percentage yields are accurate for the time period listed above.

Please call (304) 375-6262 or (304) 485-1717 or (304) 973-1442 for current rate information.

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