Free Checking with Rewards

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Open a Kasasa Cash Back Checking Account with First Security

Call us at 1.800.272.0159, stop at one of our 10 locations, or click below to open an account online. Scroll down to learn more.

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Kasasa Cash Back

This free account does just what it says by putting a portion of your spending right back in your pocket. Get easy access to your funds wherever you go and whenever you need them with free nationwide ATM withdrawal fee refunds.*

It’s easy to qualify and doesn't cost a thing.

Earn 1.5% cash back on debit card purchases that post and settle to the Cash Back account during the monthly qualification cycle, up to $6.00 per monthly qualification cycle if qualifications are met*
Nationwide ATM withdrawal fee refunds up to $25.00 ($4.99 per single transaction) per monthly qualification cycle when qualifications are met*
No monthly maintenance fee
No minimum balance to earn rewards
Add Kasasa Saver® for an automatic way to save more each month
Free debit card
Free Online Banking and Bill Pay
Free eStatements
Free Mobile Banking
Free access to Identity Theft Services through our partnership with Cyberscout®

How Kasasa Cash Back Works

With Kasasa Cash Back, the things that make your life easier also earn you rewards! To earn 1.5% on debit card purchases and nationwide ATM withdrawal fee refunds, just do the following each monthly qualification cycle:

Have at least 12 debit card purchases (point of sale) that post and settle
Have at least 1 automatic credit (ACH) post and settle
Be enrolled in and agree to receive eStatements
Maintain a valid email address on record with First Security Bank & Trust

If you don’t meet the qualifications in a given cycle, don’t worry — you still get free checking. And you can earn the rewards the very next time you qualify!

Our Locations

First Security has branch location in 10 North Central Iowa communities.

Map of First Security locations.

About First Security

First Security has made many changes over the 120 years we've been in business, but one constant is the maximum effort given to raise the level of customer service offered to customers.

Whether it’s your first time connecting with a bank or you're a member of a growing family, a business owner, or a retiree, we provide customized services to meet your specific needs.

We strive to provide our clients with banking solutions that are faster, easier, and more accessible to all. In fact, we are extremely proud of our progressive products, mobile banking solutions, and Video Banking - which allows us to be open longer than any other bank in the area

Simply put, banking with First Security provides you with a best-of-both-worlds scenario. We stay abreast of any cutting-edge service that a megabank could offer you, while also providing the expert, personalized customer service that they can’t.

* To qualify for and receive Kasasa Cash Back rewards and ATM withdrawal fee refunds, you must complete all of the following in your Kasasa Cash Back account during each monthly qualification cycle: have at least 1 automatic credit (ACH) post and settle, have at least 12 debit card purchases (point of sale) post and settle, maintain a valid email address on record with First Security Bank & Trust, and be enrolled in and agree to receive eStatement notices. Account transactions and activities may take one or more banking 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 and ATM withdrawal fee refunds. The following activities do not qualify: ATM-processed transactions, transfers between accounts, and debit card purchases processed by merchants and received by First Security Bank & Trust as ATM transactions. The monthly qualification cycle is not the same as your monthly statement cycle. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. When Kasasa Cash Back qualifications are met during a monthly qualification cycle, you will receive 1.5% cash back on debit card purchases that post and settle to the account during the monthly qualification cycle. A maximum of $6.00 cash back may be received per monthly qualification cycle. Cash Back payments will be credited to your Kasasa Cash Back account on the day the statement cycles. When Kasasa Cash Back qualifications are not met, no Cash Back payments will be received. When Kasasa Cash Back qualifications are met, we will refund up to $25.00 ($4.99 per single transaction) for nationwide ATM withdrawal fees incurred during the monthly qualification cycle. ATM withdrawal fee refunds will be credited to your Kasasa Cash Back account on the day the statement cycles. When Kasasa Cash Back qualifications are not met, no ATM withdrawal fee refunds will be received. You must maintain a valid email address each statement cycle in order to have a Kasasa Cash Back account with First Security Bank & Trust. In the event the email address you provided us becomes invalid or you no longer maintain an e-mail address, we reserve the right to convert your account to an Interest Checking account and there will be a monthly fee associated with the Interest Checking account. The minimum to open the account is $100.00. Available to consumer accounts only. Each consumer is limited to two (2) Kasasa checking accounts per Social Security number. There are no monthly maintenance fees or fees to open or close this account. Rewards are variable and may change after account is opened.

Statement and qualification cycle calendar

Has Your Checking Account Lost its Zing?

Open a Kasasa Cash Back Checking Account with First Security

Kasasa Cash Back

How Kasasa Cash Back Works

Qualifications

Our Locations

About First Security