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Choose free checking that’s actually free. Never pay monthly maintenance fees — earn monthly cash rewards.

Key Features

  • Really High Interest
  • Refunds on ATM Withdrawal Fees*
  • No Monthly Maintenance Fees
  • No Minimum Balance Requirements

Do you currently have an account with Morgantown Bank & Trust?

Please choose from the following selections:

If you choose to open a new account, you will receive a new account number. If you are only changing your current account type, your account number will remain the same.

  • Free checking that pays really high interest
    • 3.55% APY* on balances up to $10,000
    • 3.55% to 0.25% APY on balances over $10,000 depending on balance in account*
    • 0.01% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free digital banking
    • Free eStatements required to open and maintain the account
  • Free Mastercard® debit card
  • Nationwide surcharge-free ATMs via the MoneyPass® network
  • $100 minimum deposit to open 

It's Easy to Earn Your Rewards

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.

Do you currently have an account with Morgantown Bank & Trust?

Please choose from the following selections:

If you choose to open a new account, you will receive a new account number. If you are only changing your current account type, your account number will remain the same.

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 $100. 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. The following activities do not count toward earning account rewards:  ATM-processed transactions, transfers between accounts, PIN-based debit card purchases, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account 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. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $10,000 receive APY* of 3.55%; and balances over $10,000 earn 0.25% APY* interest rate on the portion of balance over $10,000, and when account qualifications are not met account balances will receive 0.01% APY*, resulting in a range from 0.01% to 3.55% APY* depending on the account’s balance and (2) you will receive reimbursements up to an aggregate total of $25 (max. $4.99 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM 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. When Kasasa Cash qualifications are not met, all balances in the account earn 0.01% APY* and ATM withdrawal fees are not refunded. Interest and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle.  Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100.00 minimum deposit is required to open the account. Monthly Direct Deposit/ACH credit and receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements, [Kasasa 360] and log-ons may be required to meet some of the account’s qualifications.  There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our bank customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A. *APY = Annual Percentage Yield. APY effective date as of 07/01/2018.