Free Kasasa Cash


We literally pay you to bank here. Open free Kasasa Cash® checking and enjoy high interest up to 2.00% APY* each month. Plus, get refunds on your ATM fees, nationwide!*

You can even link your account to a free Kasasa Saver® to help you save automatically. And there’s really no catch to earn rewards — just do banking basics you’re probably already doing. Do you Kasasa?®

  • Free checking that pays high interest
  • 2.00% APY on balances up to $10,000, 0.25% APY on any portion of the balance greater than $10,000*
  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM fees, nationwide (up to $25 monthly)*
  • Can link to high-interest Kasasa Saver account
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free Visa® Debit Card
  • Free online banking & bill pay
  • Free eStatements
  • Free mobile banking & mobile deposit
  • Free telephone banking
  • Unlimited check writing
  • $100 minimum deposit to open

Easy Qualifications to Earn Your Rewards

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

That’s it! And even if you don’t meet your qualifications during the cycle, your 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 cycle.


View our qualification period calendar.

*Qualifications Information: 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, and purchases made with non-United American Bank issued debit cards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $10,000 receive annual percentage yield (APY) of 2.00%; and balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000, and (2) you will receive reimbursements up to $25 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM fees are not refunded. Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of statement cycle. APYs are accurate as of 8/26/2015. Yields, caps, and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Annual Percentage Yield. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100 minimum deposit is required to open the account. You must have 12 debit card transactions post and settle, log-on to online banking, and receive electronic statements as conditions of these accounts. Limit one account per social security number, personal accounts only. There are no recurring monthly service charges or fees to open or close this account. If you close your account before interest is credited, all accrued interest will be paid. Contact a United American Bank service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa & Kasasa Cash are trademarks of BancVue, Ltd., registered in the U.S.A.

It’s fast and easy to apply!