Kasasa Cash®

Earn more money on your account balance

Stop paying for your checking account. Let it pay you instead. A Kasasa Cash® checking account offers qualifying rewards at no cost.

Open a Kasasa Cash® Account

Kasasa Cash icon

Here's how it works:

The account is free! Plus, earn dividends on your account balance and other rewards by meeting three qualifiers each month (things you probably already do). Best yet, no penalties. If you don’t qualify for rewards one month, don’t worry! The account is still free. Try again next month.

Qualifying Rewards


On qualified balances up to $15,000, paid monthly


In nationwide ATM fee refunds, per cycle

Checking Rewards You Want
Kasasa logo

Account Features

Account Features

  • $100 opening deposit
  • $0 in monthly maintenance fees
  • $0 minimum balance
  • Optional: Protect+ Package
How to Qualify Each Month

How to Qualify Each Month1

  • Make 12 Debit Card transactions; and
  • Enroll in and agree to receive E-Statements; and
  • Receive 1 direct deposit or perform an ACH transaction

Account Access

It’s your money. You should have access to it whenever you’d like!

Free Online Banking

Free Online Banking

Access your account from wherever you are, at anytime.

Learn More about online banking

Shared Banking Locations

Shared Banking Locations

Free access to over 30,000 Shared-ATMs and over 5,000 shared banking locations.

Find A Location

Free Mobile Banking

Free Mobile Banking

No more rushing to the credit union. Make deposits easily with Mobile Deposit.

Learn More about free mobile banking

Last, but not least:

*Annual Percentage Yield ("APY") is valid as of 07/01/2020 and is subject to change without notice.

1 The Monthly Qualification Cycle begins at 12:01am on the last day of the month and ends at midnight of the second to last day of the following month.

To qualify, the minimum service requirements include: 1) making 12 debit card point-of-sale purchases that post and settle to your account during the monthly qualification cycle; 2) having one direct deposit to OR an electronic debit or credit (ACH) post to your Kasasa Cash Checking account during the monthly qualification cycle; and 3) are receiving your monthly statements electronically (e-statements). If you meet all minimum service requirements by the next business day after the end of the cycle then domestic ATM fees, up to a maximum of $25.00, will be refunded during the first week of the next cycle. Dividends earned, and ATM fees refunded on the Kasasa Cash Checking account will automatically be transferred to the Kasasa Saver Share account, if available, during the first week of the next cycle. If you do not meet all of the minimum service requirements during the monthly qualification cycle, an APY of 0.05% will apply to the entire balance in your Kasasa Cash Checking account. Transfers between accounts do not count as qualifying transactions. The dividend period begins on the first calendar day of the month and ends on the last calendar day of the month.

Accounts that do not meet the minimum service requirements during the monthly qualification cycle for a period of six (6) consecutive months will no longer qualify for a Kasasa account and the account(s) will be converted as follows: Kasasa Saver will convert to a Secondary Share account; Kasasa Cash Checking and Kasasa Cash Back Checking will convert to a Simply Checking Account, which is assessed a monthly service fee as outlined on the Fee Schedule. Upon removal from the Kasasa program, you will not be eligible for a Kasasa account in the future; however, an exception may be made at the discretion of the branch manager.

Membership required. Account subject to credit approval. The Kasasa Saver Share and Kasasa Cash Checking accounts are limited to one each per primary account holder's social security number. Available only for personal accounts. "Kasasa Saver" and "Kasasa Cash" are trademarks of Kasasa Ltd., registered in the U.S.A.

Ready to start earning more money? Ask for Kasasa!

View the nearest Spero location to open your Kasasa Cash® account today.