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Do you currently have an account with Incommons Bank?

Kasasa® is a whole new way to bank. It's free checking that pays you in ways that matter — earn nationwide ATM fee refunds* and a really high 5.00% APY. All you have to do to earn these rewards is meet some easy monthly qualifications — things you're probably already doing. You can also link your account to a Kasasa Saver® account to build your savings automatically. That's the power of community banking at Incommons Bank.

Rates Calculators

  • Free, high-interest checking account
    • 5.00% APY* on balances up to $10,000
    • 5.00% - 0.91% APY on balances over $10,000 depending on balance in account*
    • 0.05% APY* if qualifications aren't met
  • Check and debit card buy back**
  • ATM fee refunds*
  • Can link to high-interest Kasasa Saver account
  • No minimum balance to earn rewards
  • No monthly service fee
  • 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
  • $100 minimum deposit to open
  • Overdraft and NSF fees may apply


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!

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

*APY=Annual Percentage Yield. APYs accurate as of 10/02/2023. Rates may change after account is opened. Minimum to open is $50 for Kasasa Cash and $100 for Kasasa Saver. A monthly direct deposit or ACH is required to maintain the accounts. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $5.00 per single transaction and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 5.00%; and (3) balances over $10,000 earn 0.499% interest rate on the portion of the balance over $10,000, resulting in 5.00% - 0.95% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Fees could reduce earnings. Qualifying transactions must post to and settle Kasasa Cash 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. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. ATM fees incurred during the monthly qualification cycle will be reimbursed if qualifications are met during the monthly qualification cycle. ATM fee reimbursements will be credited to your account on the last day of your statement cycle. Domestic ATM receipt may be required for reimbursement of an individual ATM fee of $5.00 or higher. Full disclosure or clarification provided upon request.

**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?