Kasasa Cash®

Kasasa Cash®

Say so long to ATM fees and hello to major dividends with revolutionary Kasasa Cash® Checking. Kasasa Cash is an innovative way to bank: You do simple, everyday things that save us money. In turn, we offer a completely free account, plus major perks.

Enjoy dividend payouts as staggering as the Atlantic at sunrise—plus ATM fee refunds not only around North Florida, but throughout all 50 United States! Don't settle for unaccommodating banking. Choose an account that does more for you—free, high-yield Kasasa Cash checking.

  • 2.50% APY* on balances up to $5,000
  • 0.14% dividend rate* on amount of balance over $5,000 (resulting in a 2.50%–0.25% APY depending on balance)
  • 0.01% APY* if qualifications aren't met
  • Nationwide ATM fee refunds up to $25 per month*
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking & bill pay
  • Free eStatements
  • Free Visa® debit card
  • $25 minimum deposit to open


Qualifying for rewards is so easy, you're probably already doing it! It's as simple as doing the following each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking at least once

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base dividend rate. Plus, you can get back to earning huge dividends and nationwide ATM fee refunds the very next month.

*APY=Annual Percentage Yield. APYs accurate as of 4/1/2013. Rates may change after account is opened. Minimum to open is $25 for Kasasa Cash and $25 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $5,000 receive APY of 2.50%; and (3) balances over $5,000 earn 0.14% dividends on the portion of the balance over $5,000, resulting in 2.50% - 0.25% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances earn 0.01% 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 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 are automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual dividend 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 $5,000 in Kasasa Saver receive an APY of 0.75%; and (2) balances over $5,000 in Kasasa Saver earn 0.23% dividends on portion of balance over $5,000, resulting in 0.75% - 0.25% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.01% APY. Monthly direct deposit required to have this account. Limit one account per Social Security Number. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.