Earn interest on your balance — just for doing banking basics. One of the best places to live is now one of the best places to bank.
- No Monthly Maintenance Fee
- Really High Interest Earnings*
- Refunds on ATM Withdrawal Fees*
- Free Digital Banking
- Checking that pays high interest
- 3.01% APY* on balances up to $15,000
- 0.35% APY* on balances over $15,000, resulting in a range from 3.01% to 0.70% APY* depending on the account balance (calculated on a balance up to $115,000)
- 0.05% APY* if qualifications aren't met
- Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
- Link to free Kasasa Saver® to build savings automatically
- No minimum balance to earn rewards
- No monthly maintenance fee
- Free Mastercard® debit card
- Free digital banking, including:
- Online banking
- Mobile banking
- Free mobile wallet services available
- Identity theft protection available
- $100 minimum deposit to open
It's so easy to earn your cash rewards.
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- At least 10 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
And if you don’t meet these qualifications, don’t worry — you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
*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, credit card purchases processed by merchants and received by our bank, debit and credit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit or credit cards not issued by our bank. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $15,000 receive an APY of 3.01%; and balances over $15,000 earn an APY of 0.35% on the portion of balance over $15,000 resulting in a range from 3.01% to 0.70% APY depending on the account’s balance (calculated on a balance up to $115,000) and (2) you will receive reimbursements up to an aggregate total of $20.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM 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. When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY, and ATM fees are not refunded. [Interest/dividends] and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 06/09/2021. Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-on, and other requirements apply. A minimum deposit of $100.00 is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements), and log-on are required to meet some of the account’s qualifications. Limit 1 account per primary social security number / individual taxpayer identification number. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our bank financial service representatives for additional information, details, restrictions, processing limitations, and enrollment instructions. Member FDIC
Purpose and Expected Use of Account: This account is intended to be the accountholder's primary checking account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting, and entertainment transactions are posted and settled.
Commensurate with the spending activities identified above, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period, particularly near the end of a Monthly Qualification Cycle, are not considered normal, day-to-day spending behavior. For example, five debit card transactions, each for a dollar, conducted at a convenience store, two days before the end of the cycle period would not be considered by our institution as normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account's rewards and thus will be deemed inappropriate transactions and will not count toward earning the account's rewards.
United Bank reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over 3 consecutive Statement Cycles.
We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. A United Bank check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash account, any optional add-on products/services associated with this account will also be terminated at the same time.
Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.