Skip to content

Featured Checking Accounts

View All of our Checking Accounts

Rates effective as of .

Kasasa Cash:

¹Enrollment in online banking and eStatements is required to have a Kasasa Cash account. Minimum to open is $25. APY=Annual Percentage Yield. APYs accurate as of 11/10/2022. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) balances up to $15,000 receive APY of 1.50%; and (2) balances over $15,000 earn 0.15% interest rate on portion of balance over $15,000, resulting in 1.50% - 0.33% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. To qualify for Kasasa Cash rewards during a monthly qualification cycle you must have: at least 12 debit card purchases post and settle, have at least 1 automatic payment (ACH) or direct deposit post and settle, be enrolled in and log into online banking and be enrolled in and receive e-statements. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the 1st 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 interest. Actual interest amount paid may be less than advertised Kasasa Cash APY. Domestic ATM fees incurred during Monthly Qualification Cycle will be reimbursed up to $4.99 per fee incurred and up to a total of $10 per Monthly Qualification Cycle. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. 

Kasasa Cash Back:

¹Enrollment in online banking and eStatements is required to have a Kasasa Cash Back account. Minimum to open is $25. When monthly qualifications are met, you receive 2% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $10 per monthly qualification cycle. Qualifying transactions must post and settle to the 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. Transfers between accounts do not count as qualifying 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. When monthly qualifications are met, domestic ATM fees incurred during Monthly Qualification Cycle will be reimbursed up to $4.99 per fee incurred and up to a total of $10 per Monthly Qualification Cycle. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Kasasa Tunes:

¹Enrollment in online banking and eStatements is required to have a Kasasa Tunes account. Minimum to open account is $25. You will be refunded up to $10 for iTunes®, Google Play® and/or Amazon.com® purchases that post to and settle account during the first 60 days after you open account. Refunds will be credited to account on the last day of statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $10 in refunds of iTunes, Google Play® and/or Amazon.com purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made with debit card associated with your Kasasa Tunes account. Qualifying transactions must post to and settle the account during monthly qualification cycle. Transactions may take one or more banking days from date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. Transfers between accounts do not count as qualifying 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. Domestic ATM fees incurred during Monthly Qualification Cycle will be reimbursed up to $4.99 per fee incurred and up to a total of $10 per Monthly Qualification Cycle. ATM receipt must be presented for reimbursement on an individual ATM fee of $5.00 or higher. iTunes is a registered trademark of Apple, Inc., Google Play is registered trademark of Google and Amazon.com is a registered trademark of Amazon Inc. Apple Inc., Google and Amazon Inc. are not participants in or sponsors of this program.

Our deep community roots make us proud to serve Western NY!

GET TO KNOW US