Free Kasasa Saver® Account

Terms and conditions

*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, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. When your linked Kasasa Cash® account qualifications are met during a Monthly Qualification Cycle, the balances in your Kasasa Saver® account earn an APY of  3.20%. When your linked Kasasa Cash® account qualifications are not met, the entire daily balance in the Kasasa Saver® account earns an annual percentage yield of 0.05% APY. Interest will be credited to your Kasasa Saver® account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. *Note: When linked to a Kasasa Saver® account, the APY on the Kasasa Cash® account will be 4.50% APY because the interest earned does not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account balance is less than the transferred amount when the transfer occurs. APY = Annual Percentage Yield. APYs accurate as of 1/30/2026. APY calculations are based on an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the Kasasa Cash® or Kasasa Saver® account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 1 account per person. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash® account is required to have a Kasasa Saver® account. A linked Kasasa Saver® account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC. Kasasa®, Kasasa Cash® and Kasasa Saver® are trademarks of Kasasa®, Ltd., registered in the U.S.A.