Rates & Fees

Qualifications

Earning the full rewards is so easy, you're probably already doing it! 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 1 direct deposit or ACH credit
• At least 12 debit card purchases
• Be enrolled in and agree to receive e-statements
• Be enrolled in and log into online banking

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.

Qualifications

Qualifying for Kasasa Cash or Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Cash Back account during each Monthly Qualification Cycle:

• At least 1 direct deposit or ACH credit
• At least 12 debit card purchases
• Be enrolled in and agree to receive e-statements
• Be enrolled in and log into online banking

It's no problem if you miss a qualification cycle. Both accounts are still free. And you can get back to earning rewards the very next month you qualify.

You must deposit $100.00 to open this account. A minimum balance fee will be imposed every statement if the balance in the account falls below $700.00 any day.

Senior Citizens (65 years+) NO CHARGE
Fulltime Student (To Age 23) NO CHARGE

You must deposit $100.00 to open this account. A minimum balance fee will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the statement cycle. Fees will be determined according to Banclub Plan Choice.

You must deposit $1,500.00 to open a Banclub NOW account and maintain a minimum daily balance of $1,500.00 to obtain the Annual Yield Percentage. Annual Percentage Yield is subject to change daily at bank’s discretion. Fees on this account will be determined according to Banclub plan chosen.

Compounding and Crediting
Interest will be compounded and credited to your account monthly. You will not receive the accrued interest if you close your account before interest is credited. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (example: checks).

Balance Computation Method
We use the daily method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

You must deposit $1,500.00 to open a NOW account and maintain a minimum daily balance $1,500 to obtain the Annual Yield Percentage. Annual Percentage Yield is subject to change daily at bank’s discretion. A minimum balance fee will be imposed every statement cycle if the balance in the account falls below $1,500.00 any day of the cycle.

Compounding and Crediting
Interest will be compounded and credited to your account monthly. You will not receive the accrued interest if you close your account before interest is credited. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (example: checks).

Balance Computation Method
We use the daily method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

You must deposit $2,500.00 to open a Money Market Plus account. A minimum balance fee will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the statement cycle. Annual Percentage Yield is determined by account balance and is subject to change daily at bank’s discretion. You must maintain a minimum daily balance of $2,500.00 to obtain APY.

Transaction Limitations
You may only make 6 transfers/withdrawals per calendar month or statement cycle of at least 4 weeks (not including those made by mail, in person, by telephone with check mailed to you, messenger, ATM or to repay loans with us). There will be a $5.00 per item charge for each transfer/withdrawal after the 6th transaction.

Compounding and Crediting
Interest will be compounded and credited to your account monthly. You will not receive the accrued interest if you close your account before interest is credited. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (example: checks).

Balance Computation Method
We use the daily method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

You must deposit $50.00 to open a Regular Savings account. A minimum balance fee will be imposed every statement cycle (quarterly) if the balance in the account falls below $250.00 any day of the quarter. Annual Percentage Yield is subject to change daily at bank’s discretion.

There will be a $2.50 per item charge for each withdrawal more than three (3) per quarter. The quarterly low balance fee will be waived for minors under the age of 18.

Transactions Limitation
You may make only three (3) withdrawals from your account each calendar quarter.

Compounding and Crediting
Interest will be compounded and credited to your account quarterly. You will not receive the accrued interest if you close your account before interest is credited. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (example: checks).

Balance Computation Method
We use the daily method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

A minimum balance fee will be imposed every statement if the balance in the account falls below $1,000.00 any day in that cycle.

$0.10 PER ITEMS OVER 20 ITEMS

You must deposit $2,500.00 to open a Money Market Plus account. A minimum balance fee will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the statement cycle. Annual Percentage Yield is determined by account balance and is subject to change daily at bank’s discretion. You must maintain a minimum daily balance of $2,500.00 to obtain APY.

Transactions Limitations
You may make only 6 transfers/withdrawals per calendar month or statement cycle of at least 4 weeks (not including those made by mail, in person, by telephone with check mailed to you, messenger, ATM or to repay loans with us). There will be a $5.00 per item charge for each transfer/withdrawal after the 6th transaction.

Compounding and Crediting
Interest will be compounded and credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (example: checks).

Balance Computation Method
We use the daily method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.