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
- 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
Qualifications:
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]
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.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
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.
- Net cost of buying $0
- Net cost of leasing $0
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.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
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.
- Monthly deposit needed to reach goal $0
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.
- Estimated monthly payment $0
- 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.