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Do you currently have an account with Incommons Bank?

Kasasa Cash Back® is a free checking account that pays you in ways that matter. Unlike other accounts that only pay you cash back on things like hotel reservations or gas purchases, Kasasa Cash Back rewards you every time you swipe your card.* Get cash back on things like car repairs, groceries, clothes, and home-improvement items — all the stuff you normally buy with your debit card. You also get unlimited nationwide ATM fee refunds* and there's no minimum balance required to get cash back.

  • 5% cash back on everyday debit card purchases*
  • Earn cash back on up to $150 in debit card purchases monthly
  • Earn as much as $90 cash back per year, $7.50 per month
  • Refunds on ATM withdrawal fees, nationwide*
  • Can link to high-interest Kasasa Saver account
  • No minimum balance to earn rewards
  • No monthly service fee
  • Check and debit card buy back**
  • Free online banking & bill pay
  • Free mobile banking with mobile deposit
  • Free paperless E-Statements
  • Free debit card
  • Unlimited check writing
  • Direct deposit available
  • Check images with statements
  • Unlimited telephone banking
  • $50 minimum deposit to open
  • Overdraft and NSF fees may apply


Kasasa Cash Back is free checking to its core. There's never a fee assessed for coming up short on qualifications. To earn your cash back and ATM refund rewards, simply do the following each monthly qualification cycle:

  • Have at least 10 debit card purchases (excluding ATM) post and settle
  • Be enrolled and receive e-statement notice

That's it. Quick, easy, and free. Plus, your check card purchases help your cash come full circle. And if you don't qualify this month, no need to fret. You can still earn full rewards the very next monthly qualification cycle.

Qualifications Dates: (Your monthly qualifications must be posted to your account by this day in order to receive your rewards.) Remember, postings from vendors can take several days to reach the bank and post.

Qualification Dates 2023

  • Jan 30
  • Feb 27
  • March 30
  • April 27
  • May 30
  • June 29
  • July 28
  • Aug 30
  • Sept 29
  • Oct 28
  • Nov 29
  • Dec 28

*Minimum to open is $50. When monthly qualifications are met, you receive 5% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $7.50 per monthly qualification cycle. Qualifying transactions must post to and settle Kasasa Cash Back account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Contact us for more information about the monthly qualification cycle. Unlimited domestic ATM fees incurred during qualification cycle if qualifications are met within monthly qualification cycle. Monthly direct deposit required to have this account. Limit one account per SSN. Transfers between accounts do not count as qualifying transactions. ATM receipt may be required for reimbursement of an individual ATM fee of $5.00 or higher.

**Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented.

Important Memo regarding your account: The Bank reserves the right for any reason in the Bank's sole discretion, with or without cause, to close any Account without prior notice to any of the Account holders, by payment of the Account balance to one or more of the Account holders. Upon termination of an Account hereunder, the Bank may return unpaid any item presented for payment against the closed Account, without liability to any party.

For any questions regarding this notice or any of our accounts please contact your local branch or the main branch 254-562-3821 or email to [email protected]

It's easy — get started today!

Do you currently have an account with Incommons Bank?