The best way to save is always the simplest — so we made it automatic with free Kasasa Saver®.


Key Features

  • Automatic Savings
  • High Dividends
  • No Monthly Maintenance Fee
  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash® or Kasasa Cash Back® checking
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
  • 1.75% APY on balances up to $50,000
  • 1.75% to 0.75% APY on balances over $50,000 depending on balance in account
  • 0.05% APY if qualifications are not met in Kasasa Cash or Kasasa Cash Back
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Wide range of digital banking services:
    • Free online banking
    • Fee mobile banking
    • Free eStatements
  • $5 minimum deposit to open

This Way to Rewards

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 1 Direct Deposit or ACH credit 
  • At least 15 debit card purchases
  • Be enrolled in and agree to receive eStatements

That's really it. But if you don't meet your qualifications one cycle, your account is still free — and you’ll still earn our base dividend rate on your Kasasa Saver balance. Then you can get back to earning your full rewards the very next month. If you fail to qualify for six consecutive months, you will be converted back to a Regular Checking.

APY=Annual Percentage Yield. APYs accurate as of 02/01/2023. Rates may change after account is opened. Minimum to open is $50 for Kasasa Cash and $5 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during 
qualification cycle will be reimbursed up to $20 ($4.99 per transaction) and credited to account 
on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 5.00%; and (3)
balances over $10,000 earn 0.25% dividend rate on the portion of the balance over $50,000, resulting in 5.00% to 0.68% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. 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 and transfers between accounts 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 dividends. Dividends 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. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $50,000 in Kasasa Saver receive an APY of 1.75%; and (2) balances over $10,000 in Kasasa Saver earn 0.25% dividend rate on portion of balance over $10,000, resulting in 1.75% to 0.75% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa 
Saver earn 0.05% APY. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual fee of $5.00 or higher.

No Waits — or Papercuts

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