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Kasasa Cash

Isn't it about time you put our money to work for you, rather than the other way around? This free, high interest checking account makes that happen. Kasasa Cash is a whole new way to bank, putting your money back into your hands. Enjoy unlimited check writing with no balance requirements, and rejoice with ATM fee matter whose ATM you use.

  • Earn 3.01% APY* on balances up to $15,000
  • Earn 3.01 – 0.76% APY on balances over $15,000 depending on balance in account*
  • Earn 0.10% APY* if qualifications are not met
  • Nationwide ATM fee refunds up to $20 during the monthly qualification cycle*
  • eStatements required*
  • No monthly service fees
  • No minimum balance to maintain or earn rewards
  • Unlimited check writing
  • Online banking with bill pay
  • Enhanced telephone banking at (662) 560-0124
  • MasterCard® Debit Card with approval
  • Overdraft protection available
  • $100 minimum deposit to open
  • Federally insured up to $250,000 by the FDIC
  • $31 per item overdraft fee and/or returned item fee apply

You can earn a second rate of interest by attaching a Kasasa Saver account too!


Getting the Kasasa Cash interest rate and ATM fee refunds each monthly qualification cycle is easy. Just do the following simple things designed to make managing your money a snap each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Log on to Sycamore Bank's Online Banking

Should you not meet the qualifications in a given monthly qualification cycle, don't worry about it! You still get free checking and will still earn our base rate each monthly qualification cycle. And you can get back to earning high interest and receiving ATM fee refunds the next time you qualify. See the Monthly Qualification Calendar for specific dates.

Get even bigger returns by earning a second high rate of interest on your rewards with a free Kasasa Saver account.

*APY=Annual Percentage Yield. APYs accurate as of 05/01/2013. Rates may change after account is opened. Minimum to open is $100 for Kasasa Cash and $100 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 earn APY of 3.01%; and (3) balances over $15,000 earn 0.42% interest rate on the portion of the balance over $15,000, resulting in 3.01% - 0.76% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.10% APY. 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. "Monthly Qualification Cycle" means a period beginning one banking day prior to the first day of the current statement cycle through one banking 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. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $15,000 in Kasasa Saver earn an APY of 1.01%; and (2) balances over $15,000 in Kasasa Saver earn 0.44% interest rate on portion of balance over $15,000, resulting in 1.01% - 0.51% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.10% APY. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. ATM-processed transactions and transfers between accounts do not count as qualifying transactions. Receiving monthly eStatements is required to have this account. If you do not enroll for an eStatement on your KASASA account within 60 days of opening the account, the account will be converted to a Go Green Account which is not an interest bearing account and which has different requirements and fees than a KASASA account. Limit one account per Social Security Number (SSN).