Get rewarded for your spending

Enjoy free checking that makes shopping more fun with 4.00% cash back every time you swipe.

Benefits You’ll Love

  • No monthly maintenance fees
  • No category restrictions on purchases
  • Enjoy cash back earned on up to $225 in purchases monthly
  • Conveniently withdraw cash from ATMs nationwide minus withdrawal fees

Free is further defined as no monthly service charge fees for your KASASA® account. However, you could still incur insufficient fund charges if your account becomes overdrawn. 

Note: Other fees* such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule for details. Unless stated, minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Interest and other Miscellaneous Income will be reported on 1099-INT or 1099-MISC. If under 18 years old, must have an adult co-owner on account. 

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. 

"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 our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates. 

Reward Information: 

When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4.00% cash back on up to a total of $9.00 signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back payments may be earned per Monthly Qualification Cycle. 

You will receive reimbursements for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. 

When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. 

Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. 

Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. 

Additional Information: 

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. 

$50 minimum deposit is required to open the account. 

There are no recurring monthly maintenance charges or fees to open or close this account. 

E-Statements are required. 

Advertised information and rewards are based on all account qualifications being met during each cycle period. 

Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. 

Member FDIC. 

Trademarks: 

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

Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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2. Loan Details
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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Total paid $0
  • Total interest paid $0

Deposit Accounts

Account Minimum Opening Deposit APY
Omega Money Market* $5,000 0.50%
Club Savings $0 2.02%
MBT Savings   0.10% 
Health Savings Account**    2.02%
Direct Interest Checking    0.25%
GenGold Checking   $50 0.01%

*Money Market Account prevailing rate based on tiered balance structure. The APY disclosed on the website is for the highest tiered balance. Annual Percentage Yield (APY) is current as listed and subject to change. For more information such as, Minimum Deposit, Account Information, and Withdrawal Penalties, refer to the Personal Tab and click Money Market Account. Deposit Accounts subject to fees may reduce earnings.

 

 

Kasasa Cash*

Balance Minimum Opening Deposit Interest Rate APY
0 - $10,000 $50 4.8889% 5.00%
$10,000+ $50 0.25% 0.25%
All balances if qualifications not met $50 0.10% 0.10%

Qualifications

It's so easy to qualify, 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 ACH credit or ACH payment transaction
  • At least 12 debit card purchases

That's it. Even if you don't meet your qualifications during the cycle, 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.

Kasasa Saver*

Balance Minimum Opening Deposit Interest Rate APY
0 - $500,000 if qualifications are met $50 1.49% 1.50%
0 - $500,000 if qualifications not met $50 0.10% 0.10%
$500,000+ $50 0.25% 0.25%

Qualifications

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 ACH credit or ACH payment transaction
  • At least 12 debit card purchases

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.

Loan Rates

Loan Term Interest Rates APR
New Autos up to 72 months Competitive Rates Competitive Rates
Home Equity Up to 10 years Competitive Rates Competitive Rates
30 Year Mortgage 30 years Rates change daily Rates change daily
15 Year Mortgage 15 years Rates change daily Rates change daily

Interest Rates are current as listed and are subject to change. The rates displayed do not represent a loan approval or commitment to lend. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs. Loan pricing can be locked only through a loan officer. Other restrictions may apply.

Please call (270) 526-3881 for additional rate options.

**Home Equity Line of Credit – The Interest Rate is variable and based upon a index plus a margin. The Rate will vary with Prime Rate (the index) as published in the Wall Street Journal.

For more loan details contact a Lender at 270-526-3881 or contact us.