* APY = Annual Percentage Yield
** To qualify for and receive Kasasa Saver rewards, you must complete all of the following in your Kasasa Cash or Kasasa Cash Back checking 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 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 rewards will be credited to your Kasasa Saver account on the day the statement cycles. When Kasasa Cash Back qualifications are not met, no Cash Back rewards will be received.
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 the 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%. Kasasa Cash interest earnings will be credited to your Kasasa Cash account on the day the statement cycles.
When Kasasa checking account qualifications are met during a monthly qualification cycle, the Kasasa Saver will receive an interest rate of 1.18% with an annual percentage yield of 1.19% for balances of $15,000.00 or less. An interest rate of .08% will be paid only for that portion of the balance that is greater than $15,000.00 if qualifications in the Kasasa checking account are met during the monthly qualification cycle. The annual percentage yield for that tier will range from 1.19% to .15% depending on the balance in the Kasasa Saver account. When Kasasa checking account qualifications are not met, the interest rate on the entire balance of your Kasasa Saver account will be .05% with an annual percentage yield of .05%.
Kasasa Cash interest and ATM withdrawal fee refunds will be transferred to your Kasasa Saver account the next business day after the statement cycles.
We reserve the right to convert your Kasasa Saver account opened in connection with Kasasa Cash or Kasasa Cash Back checking account to a Regular Savings account if the email address you provided us becomes invalid or you no longer maintain an email address.
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 09/09/2025.
Statement and qualification cycle calendar
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