Get cash back on everyday spending. 

When you use your Incommons Bank debit card to make purchases, you can earn cash back monthly.^ 

Benefits You'll Love

  • Cash back on debit card purchases 
  • Refunds on ATM withdrawal fees* 
  • Free digital banking services 
  • No minimum balance to earn rewards 

*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]

Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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2. Loan Details
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3. Lease Details
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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Total paid $0
  • Total interest paid $0

Certificates of Deposit

Account Type Minimum Deposit Compounding Rate APY
Six Month $2,500.00 At Maturity 3.50% 3.53%
One Year $1,000.00 Monthly 3.00% 3.04%
Eighteen Month $1,000.00 Monthly 3.00% 3.04%
Two Years $1,000.00 Monthly 2.50% 2.53%
Three Years $1,000.00 Quarterly 0.95% 0.95%
Four Years $1,000.00 Quarterly 0.85% 0.85%
Five Years $1,000.00 Quarterly 0.75% 0.75%

Penalty for early withdrawal may apply.

Deposit Accounts

Account Type Minimum Deposit Compounding Rate APY
Savings $100 Quarterly 0.25% 0.25%
Interest Checking $50 Monthly 0.20% 0.20%
Business Interest Checking $50 Monthly 0.20% 0.20%

These accounts bear interest under a variable rate, which can be changed at any time. Changes in the rate will be posted in the Bank's lobby.

Health Savings Account

Account Type Minimum Deposit Compounding Rate APY
Health Savings Account (HSA) $100.00 Monthly 0.01% 0.01%

Minimum balance fees could reduce interest earnings.

Individual Retirement Accounts

Account Type Minimum Deposit Compounding Rate APY
Twelve Month IRA $500.00 Monthly 3.00% 3.04%
Eighteen Month IRA $500.00 Monthly 3.00% 3.04%
Twenty-Four Month IRA $500.00 Monthly 2.50% 2.53%

Some of the accounts listed may require a minimum daily balance and/or impose a penalty for early withdrawal.

Contact a new account representative for further information about applicable fees and terms.

Kasasa Cash*

Balance Minimum Deposit Rate APY
$0 - $10,000.00 $50 4.889% 5.00%
$10,000.01 + $50 0.499% 5.00% - 0.95%
All balances if qualifications not met $50 0.05% 0.05%

Qualifications

In order to receive the rewards, simply do the following each monthly qualification cycle:

  • Have at least 15 debit card purchases (excluding ATM) post to and settle each cycle (This means using your debit card for all your typical everyday expenditures).
  • Be enrolled and receive e-statement notice

If you don't meet the qualifications, don't worry. There is no penalty and you still have a free checking account that earns our base rate of interest. Plus, you can get back to earning huge interest and receiving nationwide ATM fee refunds the very next qualification cycle!

Kasasa Saver*

Balance Minimum Deposit Rate APY
$0 - $100,000.00 $100 1.499% 1.50%
$100,000.01 + $100 0.499% 1.50% - 1.00%
All balances if qualifications not met $100 0.05% 0.05%

Qualifications

It's easy to qualify — and qualifying for the Kasasa Cash rewards automatically qualifies you for the Kasasa Saver reward rate too. Simply do the following each monthly qualification cycle:

  • Have at least 15 debit card purchases post and settle (to your Kasasa Cash account)
  • Be enrolled and receive e-statement notice

If you don't qualify one month, don't worry! Both accounts still earn our base interest rate. And you can get back to earning the full rewards the next month you qualify.