Rates Calculator

With free Kasasa Cash®, you get high interest rewards for just a little work, like using your debit card to make purchases.

Key Features

High Interest

High Interest

Online Banking and Bill Pay

Online Banking & Bill Pay

Mobile deposit

Mobile Deposit

  • Free checking that pays high interest
    • 2.00% APY* on balances up to $10,000
    • 2.00% to 0.36% APY on balances over $10,000 depending on balance in account*
    • 0.01% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Includes a wide range of digital banking services:
    • Free mobile banking with mobile deposit
    • Free online banking and bill pay
    • Free eStatements (required to open account)
  • Free instant-issue Visa® debit card
  • $25 minimum deposit to open

It’s Easy to Qualify

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, ACH credit, or ACH payment transaction(s)
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-Statements

That's it. If you don't qualify, don't worry. Your Kasasa Cash 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 month!

*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, 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) 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: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $10,000 receive APY of 2.00%; and balances over $10,000 earn 0.20% interest rate on the portion of balance over $10,000.00, resulting in a range from 2.00% to 0.36% APY depending on the account’s balance and (2) you will receive reimbursements up to an aggregate total of $25.00 (max. $4.99 per single transaction) for nationwide ATM withdrawal fees imposed by PennCrest BANK or other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within thirty (30) calendar days of the withdrawal transaction. When Kasasa Cash qualifications are not met, all balances in the account earn 0.01% APY and ATM withdrawal fees are not refunded. Interest and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 02/08/2018. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open the account. Monthly Direct Deposit/ACH credit or debit, 12 debit card transactions and receipt of electronic statements are qualifications of this account.  Limit one (1) account per social security number / taxpayer identification number. There are no recurring monthly maintenance charges or fees to open or close this account, unless closed within sixty (60) days of account opening. Contact one of our bank customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. 

Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.