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Kasasa Checking

 

It's Time Your Checking Came With More CHA-CHING!

Our Kasasa Checking accounts help you earn more interest while avoiding pesky fees. Our free Kasasa Cash® and Kasasa Cash Back® Checking Accounts never have monthly maintenance fees, ATM withdrawal fees are reimbursed*, and you earn cash rewards if you meet qualifications each cycle.

And if you don’t meet the qualifications, don’t worry — your account is still free. And you can get right back to earning your cash rewards the very next cycle that you qualify.

 

Kasasa Percent Icon

Earns Interest

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Refunds on ATM Withdrawals

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No Monthly Maintenance Fee

Kasasa Checking Account

Kasasa Cash®

Best for High Interest

Kasasa Cash Back®

Best for Cash Back

Benefits & Information

  • 6.00% APY* on balances as much as $15,000
  • 6.00% to 1.22% APY on balances over $15,000, depending on balance in account**
  • 0.05% APY on balances if qualifications aren't met
  • Overdraft Privilege1
  • $25 minimum opening deposit
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Refunds on ATM withdrawal fees, nationwide, up to $25 monthly**
  • Link to free Kasasa Saver® to build savings automatically
  • 6.00% cash back on debit card purchases**
  • No category restrictions on purchases
  • Cash back earned on as much as $200 in purchases monthly
  • Earn as much as $144 cash back per year, $12 per month**
  • Overdraft Privilege1
  • $25 minimum opening deposit
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Refunds on ATM withdrawal fees, nationwide, up to $25 monthly**
  • Link to free Kasasa Saver® to build savings automatically

Qualifications to Earn Rewards

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® or Kasasa Cash Back® account during each Monthly Qualification Cycle.

 

  • At least 15 debit card purchases
  • At least one direct deposit, ACH payment or ACH credit transaction(s)
  • Enrollment in and agreement to eStatements
  • At least 15 debit card purchases
  • At least one direct deposit, ACH payment or ACH credit transaction(s)
  • Enrollment in and agreement to eStatements

* APY Annual Percentage Yield

1 A $28.00 Non-sufficient Funds (NSF) fee will be assessed per item. The $28.00 NSF fee is the same fee amount that is charged if an item is returned as unpaid. If multiple items overdraw your account on the same day, each item will be assessed an appropriate NSF Fee or a Returned NSF Fee of $28.00. All fees and charges will be included as part of the Overdraft Privilege limit amount. Overdraft Privilege will pay overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means that cause the current balance to fall below $0.00 on your account, up to the overdraft limit. In the event the overdrawn balance is not paid within 60 days, the account will be closed and may be reported to Consumer Reporting Agencies. We reserve the right to close your account at any time. Overdrafts will not be paid if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts. First Federal Bank reserves the right not to pay any transactions that overdraws your account.

Free Kasasa Saver®

Link a free Kasasa Saver account to your Kasasa Cash® or Kasasa Cash Back® account to build savings automatically while earning high interest! Your earnings from your other Kasasa account will be automatically transferred into your Kasasa Saver®.

  • 2.00% APY* on balances as much as $100,000
  • 2.00% to 1.25% APY on balances over $100,000 depending on balance in account*
  • 0.05% APY* on all balances if qualifications are not met in Kasasa Cash or Kasasa Cash Back
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • $25 minimum deposit to open

Qualifications to Earn the Higher Rate

Qualifying for your Kasasa Cash® or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® or Kasasa Cash Back® account during each Monthly Qualification Cycle:

  • At least 15 debit card purchases
  • At least one direct deposit, ACH payment or ACH credit transaction(s)
  • Enrollment in and agreement to eStatements

Ready to jump in? Visit your local branch to open an account.

Looking For A Different Reward Experience?

If redeeming points for gift cards, travel credits, and merchandise is more your style, check out our Smart Rewards family of checking accounts!

Smart Rewards Checking Accounts

 

**Terms & Conditions

Kasasa Cycle Dates

Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.

Call us at (800)860-1238, go to www.ffbla.bank, or visit one of our Universal Bankers at a location nearest you for specific Monthly Qualification Cycle dates.

Reward Information:

Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:

Kasasa Cash: daily balances up to and including $15,000 receive an interest rate of 5.841% resulting in an APY of 6.00%; and daily balances over $15,000 earn an interest rate of 0.499% on the portion of the daily balance over $15,000, resulting in a range from 6.00% to 1.22% APY depending on the account's daily balance.

Kasasa Cash Back: you will receive 6.00% cash back on up to a total of $200 debit card purchases that post and settle to the account during that cycle period. A maximum of $200 cash back payments may be earned per Monthly Qualification Cycle.

Kasasa Saver: daily balances up to and including $100,000 in your Kasasa Saver account earn an interest rate of 1.982% resulting in an APY of 2.00% and daily balances over $100,000 earn an interest rate of 0.499% on the portion of the daily balance over $100,000 resulting in a range from 2.00% to 1.25% APY depending on the account's daily balance.

You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash or Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash, and Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.

Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and:

Kasasa Cash: the entire daily balance in the Kasasa Cash account earns an interest rate of 0.05% resulting in an APY of 0.05%.

Kasasa Saver: the entire daily balance in the Kasasa Saver account earns an interest rate of 0.05% resulting in an APY 0.05%.

Interest will be credited to your Kasasa Cash and Kasasa Saver accounts on the last day of the current statement cycle.

The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.

If Kasasa Cash or Kasasa Cash Back are linked to Kasasa Saver, the following also apply:

Kasasa Cash: When linked to a Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account balance is less than the transferred amount when the transfer occurs.

Kasasa Cash Back: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of 10/30/2023.

APY calculations are based on an assumed balance of 15,000 + $100,000 in your Kasasa Cash account and 100,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

$25 minimum deposit is required to open each account type; Kasasa Cash, Kasasa Cash Back and Kasasa Saver.

Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of Kasasa Saver's linked Kasasa Cash or Kasasa Cash Back account's qualifications.

Limit of 1 account(s) per social security number.

There are no recurring monthly maintenance charges or fees to open or close this account.

Overdraft/Returned Item fees may apply.

A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account.

A linked Kasasa Saver account is required for automatic savings.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Member FDIC.

Trademarks:

Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

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