Get Rewarded for your Checking!

Open An Account

Does your checking pay $600 in cash rewards per year?*

*Earning $600 a year in interest rewards is based on average monthly balance of $15,000.00 earning 4.00%APY when all monthly qualifications are met. See details below.

Kasasa Cash checking is a powerful and convenient way to bank with no fees and earn up to 4.00% APY on balances up to $15,000 and 0.30% APY on balances over $15,000.*

• $25 minimum opening deposit
• 4.00% APY* on balances up to $15,000
• 0.30% APY* on balances over $15,000
• No minimum balance requirement
• No monthly service charge
• Refunds on ATM fees**
• Can link to Kasasa Saver account to maximize rewards

To earn your rewards, simply do the following transactions and activities in your Kasasa Cash account during each monthly qualification cycle:

• At least 10 Debit Card transactions post and settle
• At least 1 ACH debit or credit post and settle (Direct Deposit or Automatic Payment)
• Access Internet Banking at least once
• Enroll in Online Statements

Don’t worry if you miss a month. There are no fees for not meeting the monthly qualifications. Your account is still free, and you’ll still earn our rate of 0.01% APY*. Each month is a fresh opportunity to qualify for your rewards.

Kasasa Monthly Qualification Cycle Dates

*When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $15,000.00 in your Kasasa Cash account earn an annual percentage yield (APY) of 4.00%; and average daily balances over $15,000.00 earn an APY of 0.30% on the portion of the average daily balance over $15,000.00, resulting in a range from 4.00% to 0.30% APY depending on the account’s average daily balance. When your Kasasa Cash qualifications are not met, the interest rate earned on the account’s entire average daily balance will result in an APY of 0.01%. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. APYs accurate as of 3.2.2026. 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 to qualify for the account’s rewards. See our website, www.arcadian.bank, or contact one of our branch service representatives for specific Monthly Qualification Cycle dates. Monthly Direct Deposit/ACH credit, 10 Point of Sale or pin-based debit card transaction, access online banking, and Online Statements are conditions of this account. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, 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. $25.00 minimum deposit is required to open the account. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Domestic ATM refunds up to $25 per cycle and $9.99 per item if minimum requirements are met. Only Minnesota and Iowa residents are eligible to open a Kasasa Cash account. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.