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Kasasa Cash

You deserve more than just free checking -- you deserve a free checking account that pays you back in cash. Kasasa Cash is just that account -- and more! Get more rewards, more convenience, and more service. Free Kasasa Cash checking earns up to 1.05% APY* -- that's above the national average. Plus get nationwide ATM fee refunds.*

Benefits

  • Earn 1.05% APY* on balances up to $15,000
  • Earn 1.05% to 0.31% APY* on balances over $15,000 depending on balance in account
  • Earn 0.05% APY* if qualifications aren't met
  • Nationwide ATM fee refunds up to $25.00 per monthly qualification cycle*
  • No monthly service fee
  • No minimum balance to earn rewards
  • Add Kasasa Saver® for an automatic way to save more each month!
  • Free debit card
  • Free online banking and bill pay
  • Free eStatements
  • Free mobile banking
  • Free access to Identity Theft Services through our partnership with CyberScout®

Qualifications

With Free Kasasa Cash, it's easy to qualify! Just do the banking basics (we call them "qualifications") to earn a higher APY and your refunds on ATM fees. To earn your full rewards, simply complete the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 15 debit card purchases (Point of Sale) that post and settle
  • Have at least 1 automatic payment (ACH) or direct deposit post and settle
  • Be enrolled in and agree to receive e-statement notices
  • Maintain a valid email address on record with First Security Bank & Trust

If you don't meet the qualifications in a given cycle, don't worry -- you still get free checking. And you can earn the rewards the very next time you qualify!

  • No Surprises

    No Surprises

    What's Kasasa? It's like never getting surprised by an ATM fee. Watch this video to find out more.

*To qualify for and receive Kasasa Cash rewards and ATM fee refunds you must complete all of the following in your Kasasa Cash account during each monthly qualification cycle: Have at least 1 automatic payment (ACH) or direct deposit post and settle, Have at least 15 debit card purchases (Point of Sale) post and settle, Maintain a valid email address on record with First Security Bank & Trust, and Be enrolled in and agree to receive e-statement notices. Account transactions and activities may take one or more banking days to post and settle to the account and all must do so during the monthly qualification cycle in order to qualify for the account’s rewards and ATM fee refunds. The following activities do not qualify: ATM-processed transactions, transfers between accounts, and debit card purchases processed by merchants and received by First Security Bank & Trust as ATM transactions. The monthly qualification cycle is not the same as your monthly statement cycle. “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. When Kasasa Cash qualifications are met during a monthly qualification cycle, balances of $15,000.00 or less will receive an interest rate of 1.04% with an annual percentage yield of 1.05%. An interest rate of .20% will be paid only for that portion of the balance that is greater than $15,000.00 if qualifications in the Kasasa Cash account are met during the monthly qualification cycle. The annual percentage yield for that tier will range from 1.05% to .31% depending on the balance in the account. When Kasasa Cash qualifications are not met, the interest rate on the entire balance of your Kasasa Cash account will be .05% with an annual percentage yield of .05%. Interest earnings will be credited to your account on the day the statement cycles. When Kasasa Cash qualifications are met, we will refund up to $25.00 for nationwide ATM fees incurred during the monthly qualification cycle. ATM fee refunds will be credited to your Kasasa Cash account on the day the statement cycles. When Kasasa Cash qualifications are not met, no ATM fee refunds will be received. You must maintain a valid e-mail address each statement cycle in order to have a Kasasa Cash account with First Security Bank & Trust. In the event the e-mail address you provided us becomes invalid or you no longer maintain an e-mail address, we reserve the right to convert your account to an Interest Checking account and there will be a monthly fee associated with the Interest Checking account. The minimum to open the account is $100.00. Available to consumer accounts only. Each consumer is limited to two (2) Kasasa checking accounts per social security number. There are no recurring monthly service charges or fees to open or close this account. Rates and rewards may change after the account is opened.