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We believe saving should be easier than it is. And now it is with this free account that makes saving effortless.


Key Features

  • High Interest
  • Automatic Savings
  • No Monthly Maintenance Fee
  • Digital Banking
  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash® or Kasasa Cash Back® checking
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
  • 1.61% APY* on balances up to $25,000
  • 1.61% to 1.00% APY* on balances over $25,000 depending on balance in account
  • 0.05% APY* if qualifications are not met in Kasasa Cash or Kasasa Cash Back
  • Unlimited in-person withdrawals**
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free digital banking services***
  • Free telephone banking***
  • $1 minimum deposit to open

It’s Easy to Earn Your Rewards!

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 12 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

Don’t worry if you don’t meet these qualifications — your account is still free.

Plus, you’ll still earn our base rate on your Kasasa Saver balance. And you can get right back to earning your full rewards the very next cycle that you qualify.

Want to see when you’ll qualify for rewards? See our Kasasa Cycle Dates (PDF).

Qualification Information:

Refer to your Kasasa Cash or Kasasa Cash Back account disclosures.

*Interest Information:

When your linked Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Kasasa Saver account earn an interest rate of 1.60%, resulting in an APY of 1.61% and daily balances over $25,000 earn an interest rate of .85% on the portion of the daily balance over $25,000, resulting in a range from 1.61% to 1.00% APY depending on the account's daily balance. When your linked Kasasa Cash or Kasasa Cash Back account qualifications are not met, the entire daily balance in the Kasasa Saver account earns an interest rate of .05% resulting in an annual percentage yield of .05% APY. Interest 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 11/01/2022. APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days. Interest rates and APY are variable and may change after account is opened without notice to you. Fees may reduce earnings.

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

Additional Information:

Account approval, debit card approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $1 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons are required to meet some of the account's qualifications. Limit of 1 account per Social Security Number. 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.


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