Earn up to 2.02% APY* on balances up to $25,000! There’s no monthly service charge, and no minimum balance requirements. Just cold, hard cash for doing a few banking basics you probably do already.

Plus, we’ll refund your ATM fees nationwide.* That means any ATM is your ATM! Open your free Kasasa® checking account online in minutes.

  • 2.02% APY* on balances up to $25,000
  • 0.25% to 2.02% APY on balances over $25,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • Nationwide ATM fee refunds (up to $25 per month)*
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking & bill pay
  • Free mobile banking & check deposit
  • Free e-statements
  • Free Visa® check card
  • Reorder checks online
  • Direct deposit available
  • $100 minimum deposit to open
  • In-branch ID verification is required

Earning rewards is easy

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 1 automatic payment (ACH) or direct deposit
  • Have at least 10 debit card purchases post and settle
  • Maintain a valid email address and enroll for e-Statements

That’s it! You’re probably already doing that stuff anyway. Plus, if you don’t meet the qualifications for the month, your account is still free. And you can get right back to earning rewards the very next month!

Account Features:

Kasasa Cash® is a free, variable rate checking account with no minimum balance that rewards accountholders with interest and nationwide ATM fee refunds when they meet minimum qualifications during the account’s Monthly Qualification Cycle.


To earn your rewards, all of the following transactions and activities must post and settle to your Kasasa Cash® checking account during each Monthly Qualification Cycle:

  • At least 1 automatic payment (ACH) or direct deposit
  • At least 10 debit card purchases
  • Maintain a valid email address and enroll for e-Statements

NOTE: Transactions and activities may take one (1) or more business day from the date the transaction or activity occurred to post and settle to the account.

Non-Qualifying Transactions:

The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts and debit-card transactions processed by merchants and received by Integrity Bank & Trust as ATM transactions.

Monthly Qualification Cycle means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. The statement cycle for the Kasasa Cash® checking account is the 10th of each month. If the 10th falls on a weekend or Federal holiday, the statement cycle is on the immediate preceding business day.


When the qualifications are met during a Monthly Qualification Cycle, (1) the interest rate on your Kasasa Cash® checking account and corresponding annual percentage yield (APY) will be tiered (the rate and APY is documented on our rates sheet) and (2) you will receive reimbursements up to $25.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified.

When qualifications are not met, all balances earn a base rate (the rate and APY is documented on our rates sheet) and ATM fees are not refunded.

Interest and ATM fee reimbursements will be credited to the account on the last day of the current statement cycle. If you believe you have not been reimbursed the correct amount of ATM fees, please contact us.

Rates and rewards may change after account is opened. Fees may reduce earnings.

Additional Information:

$100 minimum deposit is required to open the account and no minimum balance is required to obtain the account’s rewards. There are no recurring monthly service charges associated with this account. This account is not to be used for commercial purposes and there is a limit of one (1) Kasasa Cash® checking account per social security number. Enrollment in electronic services (e.g. online banking, electronic statements) is required to meet some of the account’s qualifications. Contact an Integrity Bank & Trust representative for additional information, details and enrollment instructions. 

Kasasa Cash® is a trademark of BancVue, Ltd., registered in the U.S.A.