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Choose free checking that rewards you handsomely for doing simple things you probably already do. That’s Kasasa® at FSB.

Key Features

  • High Interest
  • No Monthly Maintenance Fee
  • Refunds on ATM Withdrawal Fees*
  • Digital Banking
  • Earn high interest on a free checking account
  • 2.50% APY* on balances up to $25,000
  • 2.50% to 0.20% APY on balances over $25,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to free Kasasa Saver® to build savings effortlessly
  • Add Kasasa Protect® for comprehensive fraud protection
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free digital banking services
  • Free first box of checks
  • $100 minimum deposit to open

Please note that receiving e-statements is a condition of having this account. 

Earning your rewards is a cinch.

In fact, you’re probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH payment or bill pay transaction
  • At least 12 debit card purchases

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

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

*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. "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.

Reward Information: You will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:

Balances up to $25,000 receive APY* of 2.50%; and balances over $25,000 earn 0.20% interest rate on the portion of balance over $25,000, resulting in a range from 2.50% to 0.20% APY* depending on the account’s balance. In addition, you will receive reimbursements up to $25 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursement of individual ATM fees of $5.00 or higher. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.05% APY. Rewards will be credited to your Kasasa account on the last day of the current statement cycle. When Kasasa Cash is 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. APY* = Annual Percentage Yield. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100 minimum deposit is required to open the account. Must be enrolled in and agree to receive e-statements. Monthly Direct Deposit/ACH credit/Billpay and twelve (12) debit card purchases post and settle to account are qualifications of these accounts. Limit 1 account per individual taxpayer identification number. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa, Kasasa Cash and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.