We pay you to bank with us. Earn cash just for doing simple things you already do — and there’s never a monthly service charge.

Rates

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Key Features

  • Really High Interest
  • Refunds on ATM Withdrawal Fees*
  • No Monthly Maintenance Fee
  • Free Digital Banking
  • A checking account that pays high interest
  • 0.75% APY* on balances up to $25,000
  • 0.75% to 0.31% APY on balances over $25,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to Kasasa Saver® to build savings automatically 
  • No minimum balance to earn rewards
  • No monthly service charge
  • Free Mastercard® Shazam Check debit card
  • Free digital banking, including:
    • First1Online banking
    • First1Mobile banking
    • eStatements
  • Identity theft protection available

Please note that receiving eStatements is a condition of having this account.

It’s pretty easy to earn rewards.

In fact, 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, ACH payment, or bill pay transaction
  • At least 12 debit card purchases

And if you don’t meet these qualifications, don’t worry — you can try again next month. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

See our Kasasa Cycle Dates — to see when you’ll qualify for rewards!

See our current Rates !

*Qualifications Information: Account transactions and activities may take one or more banking 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 First Bank as ATM or transactions and purchases made with non-First Bank issued debit or credit cards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) 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 $25,000 receive an interest rate of 0.75%; and balances over $25,000 earn 0.20% interest rate on the portion of balance over $25,000, resulting in a range from 0.338% - 0.753% APY depending on account's balance and (2) you will receive reimbursements up to $25 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher.

When Kasasa Cash qualifications are not met, all balances in the account earn the base rate and ATM fees are not refunded.

Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of statement cycle.. APY = Annual Percentage Yield. APYs accurate as of 12/08/2020. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

When linked to the Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account the day after being credited to your Kasasa Cash account. Consequently, when linked to Kasasa Saver, and your Kasasa Cash qualifications are met, balances up to $25,000 in your Kasasa Cash account receive a non-compounding Bonus Rate; and balances over $25,000 earn an Above Cap Rate on the portion of the balance over $25,000, resulting in a non-compounding range depending on the account's balance. Note: Automatic transfer may cause an overdraft to your accounts, if the account's balance is less than the transferred amount when transfer occurs.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Monthly Direct Deposit/ACH credit, Bill Pay or ACH debit, and receipt of electronic statements are condition of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account's qualifications. Limit 1 account per social security number as the primary account holder. There are no recurring monthly service charges on this account. Contact a First Bank customer service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa & Kasasa Cash are trademarks of BancVue, Ltd., registered in the U.S.A.