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Make any ATM your ATM!

You can earn refunds on your nationwide ATM fees* with any free Kasasa® checking account. All you have to do to earn these rewards is meet some easy monthly qualifications — things you're probably already doing.

To Qualify:

In order to receive Kasasa rewards — including refunds on your ATM fees — simply do the following each monthly qualification cycle:

  • Have at least 10 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!

Not a Kasasa account holder?

That's OK! You still qualify for refunds on non-Incommons ATM fees — up to 3 times per month — with our other accounts, such as Interest Checking and More Than Free Checking. Just bring your receipts to any local branch.

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]

*APY=Annual Percentage Yield. APYs accurate as of 05/09/2023. 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 $20,000 receive APY of 2.00%; and (3) balances over $20,000 earn 0.50% interest rate on the portion of the balance over $20,000, resulting in 2.00% - 0.80% 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.