Kasasa Cash

Up your expectations of checking with an account that does way more for you. Free, high-interest Kasasa Cash® checking pays major interest for everyday things you're probably already doing anyway. Not only do you make more, you save more, too! Enjoy ATM fee refunds* at any ATM around the country.

Of course, you still have access to all the basics like free online banking, bill pay, and more—you just get a whole lot more in the process. Get more, pay nothing—that's the power of Kasasa®.

Kasasa Cash Free Checking Account


  • 1.05% APY* on balances up to $25,000
  • 0.25% on balances over $25,000 resulting in an effective APY range of 1.05% - .41% depending on the balance in your account
  • 0.01% APY* if qualifications aren't met
  • Nationwide ATM fee refunds*
  • No monthly service fee
  • No minimum balance to earn rewards
  • Can link to Kasasa Saver for automatic savings
  • Unlimited checking
  • Free Online Banking and Bill Pay
  • Free Legence Bank App
  • Free Text Banking
  • Free eStatements
  • Free Visa debit card
  • $100 minimum deposit to open


Qualifying for rewards is so easy, you're probably already doing it! It's as simple as doing the following each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Have at least 1 automatic payment (ACH), direct deposit, or bill pay transaction post and settle
  • Be enrolled in and receive eStatement electronically through Online Banking

If you don't meet the qualifications one month, don't worry. You will still enjoy free checking with ATM refunds and there's no penalty for not qualifying in a given cycle. Plus, you can get back to earning big interest the very next month.

*APY=Annual Percentage Yield. APYs accurate as of 5/1/2016. Rates may change after account is opened. Minimum to open is $100 for Kasasa Cash and $100 for Kasasa Saver. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 ($4.00 per single transaction) and credited to account on the last day of monthly statement cycle. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) balances up to $25,000 receive APY of 1.05%; and (2) balances over $25,000 earn 0.25% interest rate on the portion of the balance over $25,000, resulting in 1.05% - 0.41% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.01% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. Transfers between accounts do not count as qualifying transactions.