Why can’t saving be easier? Well now it is — with this account that does most of the work for you.

Rates

Key Features

  • Automatic Savings
  • High Interest
  • No Monthly Maintenance Fee
  • Free Digital Banking
  • An account that builds your savings effortlessly
  • Links to free Kasasa Cash® or Kasasa Cash Back® checking
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
  • 0.40% APY on balances up to $25,000
  • 0.40% to 0.24% APY on balances over $25,000 depending on balance in account
  • 0.05% APY if qualifications are not met in Kasasa Cash or Kasasa Cash Back
  • Free digital banking, including:
    • First1Online banking
    • First1Mobile banking
    • eStatements
  • Identity theft protection available
  • $100 minimum deposit to open

It’s pretty easy to earn the higher rate.

Qualifying for your Kasasa Cash or Kasasa 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 Kasasa Cash Back 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 — your accounts are still free. Plus, you’ll still earn our base rate in Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.

See our current Rates!

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

Qualification Information:
Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the Bonus Kasasa Saver rate. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle (at least 1 direct deposit, ACH payment, or bill pay transaction, at least 12 debit card purchases).
“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. See Kasasa Cycle Dates for specific Monthly Qualification Cycle dates. 
A Kasasa Cash Back account is required to have a Kasasa Saver account. If, for whatever reason the Kasasa Saver portion of your account is closed, your account will automatically be converted to the associated standalone Kasasa Cash Back account and that account's terms and conditions articulated within their specific disclosure will apply. A linked Kasasa Saver account is required for automatic savings.
Reward Information:

When your Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle:
The Kasasa Saver daily balances up to and including $25,000 in your Kasasa Saver account earn a Kasasa Saver Bonus Rate; and daily balances over $25,000 earn a Kasasa Saver Above Cap Rate on the portion of the daily balance over $25,000 depending on the account's daily balance.
Interest and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash will be credited to your Kasasa Saver account on the last day of the current statement cycle. The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.
When your Kasasa Cash or Kasasa Cash Back account qualifications are not met during a Monthly Qualification Cycle:
The entire daily balance in the Kasasa Saver account earns a Kasasa Saver Base Rate.
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. 
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. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. 
Note: Automatic transfer may cause an overdraft to your accounts, if the account's balance is less than the transferred amount when transfer occurs.
The Kasasa Saver APYs may be less than the Kasasa Cash APYs. APY = Annual Percentage Yield. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.