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Kasasa Cash Back

Free Kasasa Cash Back Checking

Make your coffee pay for itself with the free account that gives you cash back! 

Get more at the checkout counter than just a receipt. With free Kasasa Cash Back® checking, you’ll earn cash back on every purchase — up to $10 every month!¹ You’ll also enjoy ATM fee refunds up to $10, not just here in New York, but across the country.¹

The best part? You’re rewarded just for performing the banking basics you’re already doing, thanks to the free money management services that come with your account.

  • Free checking that pays you back
  • Can link to high-interest Kasasa Saver account®
  • 2% cash back on debit card purchases¹
    • No category restrictions on purchases
    • Cash back earned on up to $500 in purchases monthly
    • Earn up to $10 cash back per month
  • Refunds on ATM fees, nationwide (up to $10 monthly)¹
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking & bill pay
  • Free eStatements
  • Free mobile banking
  • Free MasterCard® debit card
  • Unlimited check writing
  • FDIC insured
  • $25 minimum deposit to open 

Earning Rewards Couldn’t Be Easier!

To earn your rewards, just do the following transactions and activities in your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • 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 agree to receive eStatements
  • Be enrolled in and log into online banking

That’s it! Didn’t meet your qualifications during a cycle? No problem, your Kasasa Cash Back account is still free! And you can get right back to earning your cash rewards the very next month.

Rewards Are Just a Click Away

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.

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