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Kasasa Cash

Free Kasasa Cash Checking

Reward yourself with the free account that pays you for banking here!

Free and rewards go hand-in-hand with Kasasa® — a whole new way to bank! Free Kasasa Cash® checking pays you really high interest every month just for doing a few banking basics.

The rewards don’t end there. You’ll also get ATM fee refunds, nationwide¹, so you can get cash when you need it — whether you’re here in New York or traveling the country. Free convenience services like online banking and bill pay round out this rewards account.

Rates Calculator

  • Free checking that pays high interest
  • 4.50% APY¹ on balances up to $15,000
  • 4.50% to 0.80% APY on balances over $15,000 depending on balance in account¹
  • 0.05% APY¹ if qualifications aren't met
  • Refunds on ATM fees, nationwide (up to $10 monthly)¹
  • Can link to high-interest Kasasa Saver® account
  • 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 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

Told you it was easy! Even if you don’t meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you’ll still earn our base interest rate — and you can get right back to earning your full rewards the very next month!

Rewards Are Just a Click Away

Rates effective as of 06/20/2024.

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 7/13/2023. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) balances up to $15,000 receive APY of 4.50%; and (2) balances over $15,000 earn 0.25% interest rate on portion of balance over $15,000, resulting in 4.50% - 0.80% 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. 

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