Personal Checking Accounts

Kasasa® Cash

  • $100 minimum deposit to open.
  • FREE checking that pays high interest.
  • 2.00% APY* on balances up to $25,000.
  • 0.05% APY* if qualifications aren't met.
  • Refunds on ATM fees, nationwide.*
  • 24 hour telephone banking via Dial-A-Bank.
  • FREE Online Banking access & Bill Pay.

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Kasasa® Cashback

  • $100 minimum deposit to open.
  • FREE checking that pays you back.
  • 2.50% cash back on debit card purchases.*
  • Earn up to $10 cash back per month.*
  • Refunds on ATM fees, nationwide.*
  • No minimum balance to earn rewards.
  • 24 hour telephone banking via Dial-A-Bank.
  • FREE Online Banking access & Bill Pay

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*Qualification 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, non-retail payment transactions and purchases made with non-KCB issued debit cards. "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. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $25,000 receive APY** of 2.00%; and balances over $25,000 earn 0.25% interest rate on the portion of balance over $25,000, resulting in a range from 0.25% to 2.00% APY** depending on the account's balance. Kasasa Cash Back: 2.5% cash back on up to a total of $400.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back may be earned per Monthly Qualification Cycle. Kasasa Saver: (if linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $50,000 in your Kasasa Saver account receive an APY** of 1.00% and balances over $50,000 earn .25% interest rate on the portion of balance over $50,000, resulting in a range from .05% to 1.00% APY** depending on the account's balance. ATM Fee Refunds: you will receive reimbursements up to $25.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of ATM fees. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.05% APY**; all balances in a Kasasa Saver account earn 0.05% APY**; cash back payments are not made, and ATM fees are not reimbursed. Rewards and ATM fee reimbursements will be credited to the appropriate Kasasa account on the last day of the current statement cycle. Automatic transfer from Kasasa Cash to Kasasa Saver occurs within one day and may cause an overdraft to your Kasasa Cash account if the account's balance is less than the transferred amount when transfer occurs. APYs** accurate as of 01/01/2016. Rates and rewards are variable and at our discretion may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. There is a minimum deposit of $100.00 required to open a Kasasa account. To earn you rewards you must complete the following activities and transactions each Monthly Qualification Cycle: Have at least 12 debit card purchases post and settle (signed or PIN transactions), Be enrolled and log into online banking and Enroll and receive eStatements. Limit 1 account per social security number. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.(**APY=Annual Percentage Yield)