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Personal Checking Accounts

We offer a variety of personal checking accounts - there's one that's perfect for you!

Kasasa Cash
Earn a competitive interest rate & refunds on your ATM fees!
  • Minimum Initial Deposit: $100
  • Interest Bearing
  • No maintenance fees for checks cleared

Kasasa Cash Back
Earn cash back on your debit card purchases & refunds on your ATM fees!
  • Minimum Initial Deposit: $100
  • No maintenance fees for checks cleared

Kasasa Tunes
Earn iTunes®, Amazon® or Google Play™ refunds & refunds on your ATM fees!
  • Minimum Initial Deposit: $100
  • No maintenance fees for checks cleared

Bank Club Checking
A popular account choice with Accidental Death & Dismemberment Insurance coverage options
  • Minimum Initial Deposit: $100
  • No maintenance fees for checks cleared

Regular Checking
A no-frills option
  • Minimum Initial Deposit: $100
  • No maintenance fees for Online Banking
  • FREE eStatements


55+ Checking
An interest-bearing account option for customers 55 years and older
  • Minimum Initial Deposit: $100
  • Interest Bearing
  • No maintenance fees for Online Banking

NOW Checking
An interest-bearing choice for those who keep a balance of more than $1,500
  • Minimum Initial Deposit: $100
  • Interest Bearing
















Kasasa Account Qualification Information:
Account transactions and activities may take one or more 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.  The following activities do not count toward earning account rewards:  ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank.  Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.  

"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.  

Visit our Kasasa Cash or Kasasa Cash Back pages on this site, or contact one of our staff members for specific Monthly Qualification Cycle dates.  

Reward Information: 
Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle: 

Kasasa Cash:  daily balances up to and including $20,000.00 receive an APY of 5.00%; and daily balances over $20,000.01 earn an interest rate of 0.2497% on the portion of the daily balance over $20,000.01, resulting in a range from 5.00% to 1.04% APY, depending on the account's daily balance. 

Kasasa Cash Back: you will receive $3% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period.  A maximum of $6.00 cash back payments may be earned per Monthly Qualification Cycle. 

Kasasa Tunes: you will receive up to an aggregate total of $5.00 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases.  In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your Kasasa Tunes debit card and must post and settle to your account no more than one (1) days after the Monthly Qualification Cycle in which you qualified ends. 

You will receive reimbursements up to an aggregate total of $20.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash, Kasasa Cash Back or Kasasa Tunes account during that Monthly Qualification Cycle.  We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee.  If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.  NOTE:  ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.  
 
Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, iTunes, Amazon.com, or Google Play purchases are not reimbursed, nationwide ATM withdrawal fees are not reimbursed, and:
Kasasa Cash: the entire daily balance in the Kasasa Cash account earns 0.05% APY. 

Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. 

Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle.  

APY = Annual Percentage Yield. 

APYs accurate as of 04/01/2023.

APY calculations are based on an assumed balance of $20,000.00 + $115,000.00 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. 

Interest Rates, rewards, and bonuses, if any, are variable and may change after account is opened; interest rates may change without notice to you.  No minimum balance is required to earn or receive the account's rewards.  Rewards less than a penny cannot be distributed.  Fees may reduce earnings. 

Additional Information: 
Account approval, conditions, qualifications, limits, timeframes, enrollments, logins and other requirements apply. 

Qualifications, interest rates, rewards, fees, account specifics and restrictions may vary by account. 

$100.00 minimum deposit is required to open the account.  

Monthly Direct Deposit or ACH credit and enrollment in online banking and eStatement delivery a conditions of these accounts. 

Enrollment in electronic services (e.g. online banking, eStatements) and logins may be required to meet some of the account's qualifications. 

Limit of one account per social security number. 

There are no recurring monthly maintenance charges or fees to open this account.  There is a $5.00 fee to close this account. 

Advertised information and rewards are based on all account qualifications being met during each cycle period. 

Contact one of our staff members for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. 

Member FDIC. 

Trademarks: 
 iTunes is a registered trademark of Apple, Inc.  Amazon is a registered trademark of Amazon.com.  Google Play is a registered trademark of Google, Inc.  Apple, Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program. 

Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A. 
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