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  • Free checking that pays you 3.00% cash back on debit card purchases*
  • No category restrictions on purchases
  • Earn up to $9 cash back per month
  • ATM fee refunds nationwide (up to $25 monthly)*
  • No Minimum Balance

*See Account Summary and Additional Information tab for details. 

Welcome to free checking that pays you for a change. Kasasa Cash Back® pays 3% cash back on qualifying debit card purchases (up to $9 per month!). Which means you’ll have a little left over to spend, save, or squander.  To sweeten the deal, we’ll also refund your ATM fees nationwide — so you don’t pay to access your own money. And it’s easy to earn your rewards. Simply do a few things that make account management much easier. Do you Kasasa?® Account Features:

  • Free checking that pays you 3% cash back
  • No category restrictions on purchases
  • Earn up to $9 cash back per month
  • ATM fee refunds nationwide (up to $25 monthly)
  • May be linked to a free Kasasa Saver® savings account
  • Transfer Kasasa Cash Back rewards for automatic savings
  • No minimum balance required to earn rewards
  • No monthly service charge
  • Free Internet Banking with Bill Pay
  • Free eStatements

Qualifications: Each time you qualify, you earn cash back and nationwide ATM refunds. To earn these rewards, simply do the following activities and transactions in your Kasasa Cash Back account each monthly qualification cycle:

  • Receive either online statements or email statements
  • Have at least 12 debit card purchases during statement cycle
  • Access online or mobile banking at least 1 time per month

If you don’t qualify for the rewards in a given cycle, don’t worry, your account is still free. You can get back to earning your full rewards the very next qualification cycle. 

Qualification Information: The following qualifications, which are subject to change, within the Monthly Qualification Cycle are: 1) receipt of online or email statements, 2) monthly log-ons to online or mobile banking, 3) twelve (12) posted and settled applicable transactions within the monthly cycle. 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. “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. 

Non-Qualification Information: The following activities do not count toward earning account rewards: 1) ATM-processed transactions, 2) transfers between accounts, 3) debit and credit card purchases processed by merchants and received by Bank of St. Elizabeth as ATM transactions, 4) PIN-based, signature based transactions, non-retail payment transactions and purchases made with debit or credit cards not issued by Bank of St. Elizabeth. 

Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle:

Kasasa Cash Back: 3.0% cash back on up to a total of $300.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back may be earned per Monthly Qualification Cycle. 

Kasasa Saver: (must be linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $25,000 in your Kasasa Saver account receive an APY of 0.75% and balances over $25,000 earn 0.25% interest rate on the portion of balance over $25,000, resulting in a range from 0.25% to 2.0% APY depending on the account’s balance. 

ATM Fee Refunds: you will receive reimbursements up to $25 ($5.00 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees greater than $5.00. 

Additional Information: When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.01% APY; all balances in a Kasasa Saver account earn 0.01% APY; cash back payments are not made, and ATM fees are not reimbursed. A minimum deposit of $25 is required to open an account. Limit 1 account(s) per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. Rewards and ATM fee reimbursements will be credited to the appropriate Kasasa account on the last day of the current statement cycle. Automatic transfer from Kasasa Cash to Kasasa Saver occurs within one day and may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. When linked to the Kasasa Saver account, the interest earned within the linked Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual interest amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY, if the advertised APY is represented without a linked Kasasa Saver account. APY = Annual Percentage Yield. APYs accurate as of 09/25/2017. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.

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