Kasasa Cash

Free checking and then some!

You deserve a free checking account that pays you back — in cash. With Kasasa Cash, get more rewards, more convenience and more services.

Kasasa Cash benefits

Interest-earning account
- Earn 1.59% APY* on balances up to $15,000.00**
- Earn 1.59% to .15% APY* on balances over $15,000 depending on balance in account**
- Earn .05% APY* if qualifications aren’t 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®

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How Kasasa Cash works

With Free Kasasa Cash, it's easy to qualify! Just do the banking basics (we call them “qualifications”) to earn a higher APY and your refunds on ATM withdrawal fees. To earn your full rewards, simply complete the following activities and transactions in your Kasasa Cash account 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!

Overdraft protection

Link Safety Check to an eligible checking account, and when a transaction brings that checking account below $0.00, Safety Check transfers funds to automatically cover debits, purchases and checks up to your available credit limit.

Apply for Safety Check

Go digital

Take your Kasasa Cash or Kasasa Cash Back checking with you without having to worry about cash, checks or debit cards. Transform your phone into a wallet and shop at retailers nationwide as well as make person-to-person payments.

Digital Wallets

*APY=Annual Percentage Yield

**To qualify for and receive Kasasa Cash rewards and ATM withdrawal fee refunds you must complete all of the following in your Kasasa Cash 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 e-statement 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 qualifications are met during a monthly qualification cycle, balances of $15,000.00 or less will receive an interest rate of 1.58% with an annual percentage yield of 1.59%. An interest rate of .06% will be paid only for that portion of the balance that is greater than $15,000.00 if qualifications in the Kasasa Cash account are met during the monthly qualification cycle. The annual percentage yield for that tier will range from 1.59% to .15% depending on the balance in the account. When Kasasa Cash qualifications are not met, the interest rate on the entire balance of your Kasasa Cash account will be .05% with an annual percentage yield of .05%. Interest earnings will be credited to your account on the day the statement cycles. When Kasasa Cash 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 account on the day the statement cycles. When Kasasa Cash qualifications are not met, no ATM withdrawal fee refunds will be received. You must maintain a valid e-mail address each statement cycle in order to have a Kasasa Cash account with First Security Bank & Trust. In the event the e-mail 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. Rates and rewards are variable and may change after the account is opened. APYs accurate as of 03/05/2025.

Statement and qualification cycle calendar