Frequently Asked Questions

Today, you can do almost anything online – including managing your checking or savings account without having to visit a local branch. Kasasa providers make it even easier for you with online banking, nationwide ATM fee refunds, and friendly customer service to assist you in the same way they would if you walked into a branch.

Kasasa Cash Questions

How do I deposit money?
  • Deposit your payroll or government checks via "direct deposit". Many employers and most government agencies offer this free service - giving you instant access to your money on payday without having to visit a branch! Ask your employer if they offer direct deposit; it's a simple form that you can fill out in about 5 minutes.
  • Wire transfer money from your current account into your newly opened account (contact your current bank or credit union for details.)
  • Mail your checks to your new financial institution.
How do I access my money?
  • Shortly after opening an account on Kasasa.com, your chosen financial institution will send you a Visa or MasterCard debit card. Use this card anywhere that accepts Visa or MasterCard.
  • If you'd still like to use paper checks, just contact your new financial institution and they'll get you taken care of.
  • Use the Visa or MasterCard debit card that your new institution sends you to withdraw money at any ATM nationwide. Kasasa accounts offer ATM fee refunds nationwide when you meet the simple qualifications!
  • All accounts on Kasasa.com offer online banking. With online banking, you can access your account from anywhere you have an Internet connection. Bank online to pay bills, view account activity, transfer funds between accounts and confirm deposit amounts.
How do I check my balance?
  • All Kasasa institutions offer online banking, giving you 24-hour access to your account information.
  • Call your new institution directly. One of the great things about community financial institutions is their excellent customer service. Feel free to call them directly and speak to a real human being!
  • Most every Kasasa institution offers banking by phone. In this way, if you're not near a computer or other Internet device, you can check your balance via phone.
What if I need to talk to someone at the institution?
You're more than a number when you bank with a community financial institution. Simply call or email your bank or credit union and receive the same great customer service you'd get if you walked through their doors.
Where are the financial institutions?
All Kasasa institutions are the finest community banks and credit unions within the United States. Some are in big cities, others are in very small towns, but each is a trustworthy, insured financial institution that has been and continues to be the backbone of our country's economy.

Currently there are a limited number of community banks and credit unions offering Kasasa accounts, but that number is growing everyday. The number of branches offered by each institution varies, so the best account for you may end up being outside your area. But with online banking and nationwide ATM fee refunds that shouldn't be a problem!

I've never heard of some of these banks or credit unions. Why would I trust them with my money?
Although the banks and credit unions on Kasasa.com may not be in your town, each Kasasa account is insured by the FDIC, NCUA or ASI, and many of our institutions have been staples in their respective communities for 50 - 100 years. Keep in mind that, unlike many of the mega banks, community banks and credit unions are still stable, still lending and still going strong!
What is a monthly qualification cycle?
Different financial institutions define their monthly qualification cycles in different ways. Please read descriptions of three commonly used methods below:
  • The synchronous cycle means the current statement cycle.
  • The one-month asynchronous cycle means the statement cycle that precedes the current statement cycle.
  • The one-day asynchronous cycle means one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. For institutions that don't process transactions on weekends, the monthly qualification cycle begins one banking day prior to the first day of the current statement cycle and ends one banking day prior to the close of the current statement cycle. Here's what this can mean for you: if you don't qualify for the higher preferred rate, you might notice that the APY earned on your periodic statement is slightly above the base rate of the account. This is because the last day of the cycle is being calculated with the higher preferred rate.

Please contact the institution you are interested in to find out more about its monthly qualification cycle. You will also be provided with a full disclosure that covers all related information for your chosen account and institution, prior to completing the application process.

What happens if I don't meet the qualifications one month?
If there's a month you don't meet the qualifications, don't worry, there's no penalty and you still have a free checking account that earns a base interest. Plus, the next month you qualify you'll be back to earning huge interest and receiving ATM fee refunds.
How will I know if I meet the qualifications?
Your chosen financial institution sends you an email at the end of each monthly qualification cycle that lets you know if you met the qualifications. And don't worry. There's no penalty and you still have a free checking account that earns a base interest. Plus, the next month you qualify you'll be back to earning huge interest and receiving ATM fee refunds.
Are these accounts insured?
Yes. Each Kasasa account is insured by the FDIC, NCUA, or ASI.
Is this too good to be true?
Not in the least! You qualify each month when you do things like: use your debit card, be enrolled and log into online banking, be enrolled and receive e-statement notice, make an automatic payment. These activities help your chosen institution save money, which is passed on to you. You deserve to benefit the most for your money and Kasasa accounts make sure you always do.
Is there a minimum balance to earn the rewards?
No! That's one reason why Kasasa accounts are so unique. You get the same great treatment you deserve no matter what your account balance is.
Do I still get checks with this account?
Yes, you can still get and use checks as you would with any checking account. After opening your new account on Kasasa.com, contact the bank or credit union for details on ordering your checks.
Will I be reimbursed for my ATM transactions after each withdrawal or at the end of the monthly qualification cycle?
As long as your qualifications are met, your ATM fee refunds occur at the end of each qualification cycle.

Kasasa Cash Back Questions

How do I deposit my money?
  • To access your funds without having to visit a branch, use direct deposit for your payroll and/or government checks. Many employers and government agencies offer this free service–if your employer does offer direct deposit, great! They'll just have you fill out a simple form and that's all you need to do.
  • Wire transfer money from your current account into your newly opened Kasasa Cash Back account (contact your chosen Kasasa provider for details.)
  • Mail your checks to your Kasasa provider.
How do I access my money?
  • Shortly after opening an account on Kasasa.com, your chosen financial institution will send you a Visa or MasterCard debit card. Use this card anywhere that accepts Visa or MasterCard.
  • If you'd still like to use paper checks, just contact your chosen financial institution and they'll get you taken care of.
  • Use the Visa or MasterCard debit card issued by your new institution to withdraw money at any ATM nationwide. Kasasa accounts offer ATM fee refunds nationwide when you meet the simple qualifications!
  • All accounts on Kasasa.com offer online banking. With online banking, you can access your account from anywhere you have an Internet connection. Bank online to pay bills, view account activity, transfer funds between accounts and confirm deposit amounts.
How do I check my balance?
  • Your Kasasa provider should offer online banking with 24-hour access to your account information.
  • One of the great things about community financial institutions is their excellent customer service. Feel free to call them directly and speak to a real human being!
  • Most every Kasasa institution offers banking by phone. Which means if you're not near a computer or other Internet device, you can check your balance via phone.
Do I receive high % cash back listed on all the purchases I make?
The percentage of cash back you receive is always the same. But the total purchase amount that qualifies for cash back each month is based on your average daily balance. Example: if your average daily balance is [X], you receive the listed cash back percentage on total purchases up to [$X] each month. Please see the table image on the product details page for further explanation. Keep in mind that the balance and purchase amount variables will differ with each institution. To see how much cash back you're able to get, check your average daily balance listed with your Kasasa provider.
How will I know how much cash back I have earned each cycle?
For a history of your cash back activity, log into online banking or call your Kasasa provider. Your Kasasa provider also prepares you with year-end tax documents, detailing your annual cash back.
How will I know if I meet the qualifications?
Check the email your Kasasa provider sends you at the end of each monthly qualification cycle.
What is a monthly qualification cycle?
Different financial institutions define their monthly qualification cycles in different ways. Please read descriptions of three commonly used methods below:
  • The synchronous cycle means the current statement cycle.
  • The one-month asynchronous cycle means the statement cycle that precedes the current statement cycle.
  • The one-day asynchronous cycle means one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. For institutions that don't process transactions on weekends, the monthly qualification cycle begins one banking day prior to the first day of the current statement cycle and ends one banking day prior to the close of the current statement cycle. Here's what this can mean for you: if you don't qualify for the higher preferred rate, you might notice that the APY earned on your periodic statement is slightly above the base rate of the account. This is because the last day of the cycle is being calculated with the higher preferred rate.

Please contact the institution you are interested in to find out more about its monthly qualification cycle. You will also be provided with a full disclosure that covers all related information for your chosen account and institution, prior to completing the application process.

What happens if I don't meet the qualifications one month?
It's no problem! There's no penalty and you still have free checking with no minimum balance required to maintain the account. Plus, the next month you qualify you'll get right back to earning cash back on everyday debit card purchases and receiving ATM fee refunds.
If I use another financial institution's ATM and pay a fee, when will I get my refund?
ATM fees are refunded into your account at the end of each statement cycle in which you are charged if you meet the monthly qualifications.
Is the Kasasa Cash Back account insured?
Yes, all Kasasa accounts are insured by the FDIC (for banks), NCUA (for credit unions), or ASI (for credit unions).
Is there a minimum balance to earn the rewards?
No! There are no minimum balance requirements to receive cash back on everyday debit card purchases or to maintain the account.
Do I still get checks with this account?
You sure do! Use them as you would with any checking account. Once you open Kasasa Cash Back, simply contact your Kasasa provider to order checks.
Is this too good to be true?
No! In fact, these accounts have simple qualifications, things you probably already do, that help your Kasasa provider save money. That way, they can pass that money along to you in the form of cash back on everyday debit card purchases. So you don't have to change your daily routine to benefit the most from this great account. With Kasasa Cash Back, everybody wins!

Kasasa Giving Questions

How do I deposit money?
  • Wire transfer money from an account into your newly opened account (contact your current bank or credit union for details.)
  • Deposit your payroll or government checks via "direct deposit". Many employers and most government agencies offer this free service - giving you instant access to your money on payday without having to visit a branch! Ask your employer if they offer direct deposit; it's a simple form that you can fill out in about 5 minutes.
  • Mail your checks to your new financial institution.
How do I access my money?
  • Use the Visa or MasterCard debit card issued on Kasasa Giving that your new institution sends you to withdraw money at any ATM. Kasasa accounts offer ATM fee refunds when you meet the simple qualifications!
  • All accounts on Kasasa.com offer online banking. With online banking, you can access your account from anywhere you have an Internet connection. Bank online to view account activity, transfer funds between accounts and confirm deposit amounts.
How do I check my balance?
  • All Kasasa institutions offer online banking, giving you 24-hour access to your account information.
  • Most every Kasasa institution offers banking by phone. In this way, if you're not near a computer or other Internet device, you can check your balance via phone.
  • Call your new institution directly. One of the great things about community financial institutions is their excellent customer service. Feel free to call them directly and speak to a real human being!
What if I need to talk to someone at the institution?
You're more than a number when you bank with a community financial institution. Simply call or email your bank or credit union and receive the same great customer service you'd get if you walked through their doors.
Where are the financial institutions?
All Kasasa institutions are the finest community banks and credit unions within the United States. Some are in big cities, others are in very small towns, but each is a trustworthy, insured financial institution that has been and continues to be the backbone of our country's economy.

Currently there are a limited number of community banks and credit unions offering Kasasa accounts, but that number is growing everyday. The number of branches offered by each institution varies, so the best account for you may end up being outside your area. But with online banking and nationwide ATM fee refunds that shouldn't be a problem!

I've never heard of some of these banks or credit unions. Why would I trust them with my money?
Although the banks and credit unions on Kasasa.com may not be in your town, each Kasasa account is insured by the FDIC, NCUA or ASI, and many of our institutions have been staples in their respective communities for 50 - 100 years. Keep in mind that, unlike many of the mega banks, community banks and credit unions are still stable, still lending and still going strong!
What is a monthly qualification cycle?
Different financial institutions define their monthly qualification cycles in different ways. Please read descriptions of three commonly used methods below:
  • The synchronous cycle means the current statement cycle.
  • The one-month asynchronous cycle means the statement cycle that precedes the current statement cycle.
  • The one-day asynchronous cycle means one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. For institutions that don't process transactions on weekends, the monthly qualification cycle begins one banking day prior to the first day of the current statement cycle and ends one banking day prior to the close of the current statement cycle. Here's what this can mean for you: if you don't qualify for the higher preferred rate, you might notice that the APY earned on your periodic statement is slightly above the base rate of the account. This is because the last day of the cycle is being calculated with the higher preferred rate.

Please contact the institution you are interested in to find out more about its monthly qualification cycle. You will also be provided with a full disclosure that covers all related information for your chosen account and institution, prior to completing the application process.

What happens if I don't meet the qualifications one month?
If there's a month you don't meet the qualifications on your Kasasa Giving account, don't worry, there's no penalty and you still have a free checking account that earns a base rate of interest for you to keep. Plus, the next month you qualify you'll be back to earning huge interest, receiving nationwide ATM fee refunds and growing your donation.
How will I know if I meet the qualifications?
Your chosen financial institution sends you an email at the end of each monthly qualification cycle that lets you know if you met the qualifications on Kasasa Giving. And don't worry. There's no penalty and you still have a free checking account that earns a base rate of interest for you to keep. Plus, the next month you qualify you'll be back to earning huge interest, receiving nationwide ATM fee refunds and growing your donation.
Are these accounts insured?
Yes. Each Kasasa account is insured by the FDIC, NCUA, or ASI.
Is this too good to be true?
Not in the least! You qualify each month when you do things like: use your debit card, be enrolled and log into online banking, be enrolled and receive e-statement notice, make an automatic payment. These activities help your chosen institution save money, which is passed on to you. You deserve to benefit the most for your money and Kasasa accounts make sure you always do.
Is there a minimum balance to earn the rewards?
No! That's one reason why Kasasa accounts are so unique. You get the same great treatment you deserve no matter what your account balance is.
Will I be reimbursed for my ATM transactions after each withdrawal or at the end of the monthly qualification cycle?
As long as your qualifications are met, your ATM fee refunds occur at the end of each qualification cycle.
How do I receive my tax deduction from my Kasasa Giving account?
At the end of the year the non-profit will issue you a tax receipt directly.
Is the automatic donation an auto debit from my account every month?
Yes. All you have to do is meet the monthly qualifications. Your monthly statement email tells you what amount was credited to your account from qualified debit transactions and then debited out to your chosen cause. That's because your chosen institution actually gives you money to pay forward directly from your account.
Can I give (split) my donation between multiple charitable organizations?
Choose the charitable organization that you care about most to support, as donations cannot be split.
How much goes to my chosen cause for each debit swipe?
The amount per qualified debit transaction varies per institution. On the account details page for each institution for the Giving accounts you will see the interest earned to keep as well as the amount the institution gives you to pay forward with each qualified debit transaction.
What is a qualified debit transaction?
An institution can set a minimum purchase amount for debit transactions that qualify for extra money toward your donation. Look on the account details page for the qualifying transaction amount to learn how you can grow your donation the most.

Kasasa Tunes Questions

How do I deposit money?
  • Wire transfer money from an account into your newly opened account (contact your current bank or credit union for details.)
  • Deposit your payroll or government checks via "direct deposit". Many employers and most government agencies offer this free service - giving you instant access to your money on payday without having to visit a branch! Ask your employer if they offer direct deposit; it's a simple form that you can fill out in about 5 minutes.
  • Mail your checks to your new financial institution.
How do I access my money?
  • Use the Visa or MasterCard debit card issued on Kasasa Cash that your new institution sends you to withdraw money at any ATM. Kasasa accounts offer ATM fee refunds when you meet the simple qualifications!
  • All accounts on Kasasa.com offer online banking. With online banking, you can access your account from anywhere you have an Internet connection. Bank online to view account activity, transfer funds between accounts and confirm deposit amounts.
How do I check my balance?
  • All Kasasa institutions offer online banking, giving you 24-hour access to your account information.
  • Most every Kasasa institution offers banking by phone. In this way, if you're not near a computer or other Internet device, you can check your balance via phone.
  • Call your new institution directly. One of the great things about community financial institutions is their excellent customer service. Feel free to call them directly and speak to a real human being!
What if I need to talk to someone at the institution?
You're more than a number when you bank with a community financial institution. Simply call or email your bank or credit union and receive the same great customer service you'd get if you walked through their doors.
Where are the financial institutions?
All Kasasa institutions are the finest community banks and credit unions within the United States. Some are in big cities, others are in very small towns, but each is a trustworthy, insured financial institution that has been and continues to be the backbone of our country's economy.

Currently there are a limited number of community banks and credit unions offering Kasasa accounts, but that number is growing everyday. The number of branches offered by each institution varies, so the best account for you may end up being outside your area. But with online banking and nationwide ATM fee refunds that shouldn't be a problem!

I've never heard of some of these banks or credit unions. Why would I trust them with my money?
Although the banks and credit unions on Kasasa.com may not be in your town, each Kasasa account is insured by the FDIC, NCUA or ASI, and many of our institutions have been staples in their respective communities for 50 - 100 years. Keep in mind that, unlike many of the mega banks, community banks and credit unions are still stable, still lending and still going strong!
What is a monthly qualification cycle?
Different financial institutions define their monthly qualification cycles in different ways. Please read descriptions of three commonly used methods below:
  • The synchronous cycle means the current statement cycle.
  • The one-month asynchronous cycle means the statement cycle that precedes the current statement cycle.
  • The one-day asynchronous cycle means one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. For institutions that don't process transactions on weekends, the monthly qualification cycle begins one banking day prior to the first day of the current statement cycle and ends one banking day prior to the close of the current statement cycle. Here's what this can mean for you: if you don't qualify for the higher preferred rate, you might notice that the APY earned on your periodic statement is slightly above the base rate of the account. This is because the last day of the cycle is being calculated with the higher preferred rate.

Please contact the institution you are interested in to find out more about its monthly qualification cycle. You will also be provided with a full disclosure that covers all related information for your chosen account and institution, prior to completing the application process.

What happens if I don't meet the qualifications one month?
If there's a month you don't meet the qualifications on your Kasasa Tunes account, don't worry. There's no penalty and you still have a free checking account with no monthly service fee and online banking. Plus, you can get right back to earning downloads and ATM fee refunds the next month you qualify.
How will I know if I meet the qualifications?
Your chosen financial institution sends you an email at the end of each monthly qualification cycle that lets you know if you met the qualifications on Kasasa Tunes. And don't worry. There's no penalty and you still have a free checking account that earns a base interest. Plus, the next month you qualify you'll be back to earning huge interest and receiving nationwide ATM fee refunds.
Are these accounts insured?
Yes. Each Kasasa account is insured by the FDIC, NCUA, or ASI.
Is this too good to be true?
Not in the least! You qualify each month when you do things like: use your debit card, be enrolled and log into online banking, be enrolled and receive e-statement notice. These activities help your chosen institution save money, which is passed on to you. You deserve to benefit the most for your money and Kasasa accounts make sure you always do.
Is there a minimum balance to earn the rewards?
No! That's one reason why Kasasa accounts are so unique. You get the same great treatment you deserve no matter what your account balance is.
Will I be reimbursed for my ATM transactions after each withdrawal or at the end of the monthly qualification cycle?
As long as your qualifications are met, your ATM fee refunds occur at the end of each qualification cycle.
Can I carry over my tunes from month to month if I don't use all of them?
Any leftover download credits expire after 30 days.
How do I receive my downloads?
When you meet the qualifications, your chosen financial institution sends you notification that you can purchase up to a specified amount that month in downloads. At the end of that month, the bank or credit union automatically reimburses you for these purchases up to the allotted amount. Also, keep in mind that some Kasasa providers offer both iTunes® and Amazon.com downloads–contact your chosen institution for more details.
Can I download anything on iTunes®?
You can! Download free music, television shows, movies, iPhone® and iPod® application downloads and anything else available on iTunes. And here's some more good news: some Kasasa providers offer both iTunes® and Amazon.com downloads! Contact your chosen institution for more details.
How do I know I am being reimbursed for the downloads?
Your chosen financial institution sends you an email each month to let you know if you qualified. If you qualify, make your iTunes® and/or Amazon.com download purchases from your Kasasa Tunes account the following month, and your bank or credit union will automatically reimburse you up to the maximum monthly amount. See these details on your monthly statement or simply view them via your online banking.

Kasasa Saver Questions

Can I open a Kasasa Saver account without opening a Kasasa Cash or Kasasa Cash Back account?
No. You need Kasasa Cash or Kasasa Cash Back to have Kasasa Saver because your Saver balance is fed by one of these two accounts. When linked to Kasasa Cash, Kasasa Saver is actually fueled by Kasasa Cash high interest. When linked to Kasasa Cash Back, your Kasasa Saver balance is fueled by a cash back percentage earned on your everyday debit card purchases.
Do I earn interest on both the Kasasa Cash account and Kasasa Saver account?
Yes. And the interest earned on your Kasasa Cash account is deposited in to your Saver account each month. Plus, even if you don't meet the monthly qualifications one month you still get a base interest rate on both accounts!
Is the interest rate the same on both of the accounts?
Your chosen institution determines the interest rate for both Kasasa Cash and Kasasa Saver. Please visit your institution's product detail pages for specific rate information on both accounts.
Are there separate qualifications for Kasasa Saver when it's linked to Kasasa Cash or Kasasa Cash Back?
No. To receive benefits on BOTH Saver and Kasasa Cash or Kasasa Cash Back, just meet the simple qualifications for your Kasasa checking account each month.
How do the qualifications work if Kasasa Saver is linked to Kasasa Cash Back?
To receive the benefits on BOTH accounts you just do the simple qualifications each month on your Kasasa Cash Back account.
How will I know how much interest I have earned each month in my Kasasa Saver account?
Your chosen financial institution sends you an email at the end of each statement cycle (generally a one month period of time) that lets you know if you met the qualifications. Additionally, you can log in to your online banking for a history of interest credits deposited into your account.
Is the financial institution just moving my money from my Kasasa Cash or Kasasa Cash Back account to my Kasasa Saver account?
No. Kasasa Saver is fueled by the interest earned and ATM refunds from your Kasasa Cash account or the cash back and ATM refunds from your Kasasa Cash Back account. Plus, your Kasasa Saver balance also earns high interest. So instead of just moving your money around, the financial institution is actually giving you cash in the form of high interest or cash back and moving it to your Saver account automatically, helping you save more and save often.
Do I get checks for my Saver account?
You can get checks on all Kasasa Cash or Kasasa Cash Back accounts. Contact your chosen financial institution for details on ordering and whether checks are available for Kasasa Saver accounts.
Do I get a debit card for my Saver account?
You get a debit card for your Kasasa Cash or Kasasa Cash Back account that you will use to meet the monthly requirements for your Cash or Cash Back account and for access to your money in your checking and saver accounts.
Can I have multiple checking accounts that fuel my Kasasa Saver?
Kasasa Saver is only associated with your Kasasa Cash or Kasasa Cash Back account.
Can I have one Kasasa Cash or Kasasa Cash Back account the fuels multiple Kasasa Saver accounts?
Kasasa Cash or Kasasa Cash Back can only fuel and link to one Kasasa Saver account.
How do I deposit money?
  • Wire transfer money from an account into your newly opened account (contact your current bank or credit union for details.)
  • Deposit your payroll or government checks via "direct deposit". Many employers and most government agencies offer this free service - giving you instant access to your money on payday without having to visit a branch! Ask your employer if they offer direct deposit; it's a simple form that you can fill out in about 5 minutes.
  • Mail your checks to your new financial institution.
How do I access my money?
  • Use the Visa or MasterCard debit card issued on Kasasa Cash that your new institution sends you to withdraw money at any ATM. Kasasa accounts offer ATM fee refunds when you meet the simple qualifications on Kasasa Cash! Contact your chosen financial institution for details on withdrawal frequency limits on your Kasasa Saver account.
  • All accounts on Kasasa.com offer online banking. With online banking, you can access your account from anywhere you have an Internet connection. Bank online to view account activity, transfer funds between accounts and confirm deposit amounts.
How do I check my balance?
  • All Kasasa institutions offer online banking, giving you 24-hour access to your account information.
  • Most every Kasasa institution offers banking by phone. In this way, if you're not near a computer or other Internet device, you can check your balance via phone.
  • Call your new institution directly. One of the great things about community financial institutions is their excellent customer service. Feel free to call them directly and speak to a real human being!
What if I need to talk to someone at the institution?
You're more than a number when you bank with a community financial institution. Simply call or email your bank or credit union and receive the same great customer service you'd get if you walked through their doors.
Where are the financial institutions?
All Kasasa institutions are the finest community banks and credit unions within the United States. Some are in big cities, others are in very small towns, but each is a trustworthy, insured financial institution that has been and continues to be the backbone of our country's economy.

Currently there are a limited number of community banks and credit unions offering Kasasa accounts, but that number is growing everyday. The number of branches offered by each institution varies, so the best account for you may end up being outside your area. But with online banking and nationwide ATM fee refunds that shouldn't be a problem!

I've never heard of some of these banks or credit unions. Why would I trust them with my money?
Although the banks and credit unions on Kasasa.com may not be in your town, each Kasasa account is insured by the FDIC, NCUA or ASI, and many of our institutions have been staples in their respective communities for 50 - 100 years. Keep in mind that, unlike many of the mega banks, community banks and credit unions are still stable, still lending and still going strong!
What is a monthly qualification cycle?
Different financial institutions define their monthly qualification cycles in different ways. Please read descriptions of three commonly used methods below:
  • The synchronous cycle means the current statement cycle.
  • The one-month asynchronous cycle means the statement cycle that precedes the current statement cycle.
  • The one-day asynchronous cycle means one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. For institutions that don't process transactions on weekends, the monthly qualification cycle begins one banking day prior to the first day of the current statement cycle and ends one banking day prior to the close of the current statement cycle. Here's what this can mean for you: if you don't qualify for the higher preferred rate, you might notice that the APY earned on your periodic statement is slightly above the base rate of the account. This is because the last day of the cycle is being calculated with the higher preferred rate.

Please contact the institution you are interested in to find out more about its monthly qualification cycle. You will also be provided with a full disclosure that covers all related information for your chosen account and institution, prior to completing the application process.

What happens if I don't meet the qualifications one month?
If there's a month you don't meet the qualifications on your Kasasa Cash or Kasasa Cash Back account, don't worry, there's no penalty and you still have a free checking and Saver accounts that both earn a base interest. Plus, the next month you qualify you'll be back to earning huge interest and receiving nationwide ATM fee refunds.
How will I know if I meet the qualifications?
Your chosen financial institution sends you an email at the end of each monthly qualification cycle that lets you know if you met the qualifications on Kasasa Cash or Kasasa Cash Back. And don't worry. There's no penalty and you still have a free checking account that earns a base interest. Plus, the next month you qualify you'll be back to earning huge interest and receiving nationwide ATM fee refunds.
Are these accounts insured?
Yes. Each Kasasa account is insured by the FDIC, NCUA, or ASI.
Is this too good to be true?
Not in the least! You qualify each month when you do things like: use your debit card, be enrolled and log into online banking, be enrolled and receive e-statement notice, make an automatic payment or direct deposit. These activities help your chosen institution save money, which is passed on to you. You deserve to benefit the most for your money and Kasasa accounts make sure you always do.
Is there a minimum balance to earn the rewards?
No! That's one reason why Kasasa accounts are so unique. You get the same great treatment you deserve no matter what your account balance is.
Will I be reimbursed for my ATM transactions after each withdrawal or at the end of the monthly qualification cycle?
As long as your qualifications are met, your ATM fee refunds from Kasasa Cash or Cash Back occur at the end of each qualification cycle.

Kasasa 360 Questions

What is Kasasa 360?
In short, Kasasa 360 is one convenient place you can view and manage all of your accounts and transactions. With most Kasasa providers this will also include your financial relationships with other institutions (contact the specific institution you are interested in for more details).

Kasasa 360 provides everything you need to take complete control of your financial life, once and for all. So you can rest easy knowing you're ahead of the game! With full visibility of all of your finances, you'll never again be in the dark when it comes to your hard-earned money. Plus, it's easily accessible online, or with a mobile smartphone.

How can Kasasa 360 help me manage my finances?
Use this all-in-one solution to create budgets, monitor your spending, and track your Kasasa account rewards with user-friendly graphs and color-coded indicators. Clear, intuitive displays allow you to view all of your account balances and transactions.

You can also set up custom alerts so you know when large deposits hit, when your credit card reaches a high balance, or when a spending account is low on funds. These alerts can be received via e-mail and in your Kasasa 360 message center.

How does Kasasa 360 work?
Kasasa 360 establishes a secure connection with your financial institution using your online banking credentials, automatically categorizing your transactions and providing you with one consolidated view of your finances.
If my Kasasa provider offers the ability to see all of my financial relationships with Kasasa 360, how is my information retrieved from other institutions?
Once you provide your online banking credentials within the Kasasa 360 console, Kasasa 360 uses secure technology to access your accounts and provide you with one complete view of your finances.
Is my information secure with Kasasa 360?
Your security is our top priority. All of your personal and/or sensitive information is protected by multi-layer security—including NSA encryption—that meets all financial industry standards. We use a protected digital certificate to prevent phishing and to ensure you're accessing your institution's website.

To confirm your identity, we help you choose strong, unique passwords and establish security questions only you can answer. That way, only you can access your personal information. What's more, Kasasa 360 is offered by your primary financial institution, with which you already have a trusted relationship.

How is my information protected?
All of your personal and/or sensitive information is maintained and protected in a secure data center that meets stringent financial security requirements. This information remains encrypted until it is used for your daily banking needs. Rest assured, we adhere to all standard privacy procedures to ensure your information is safe.
How do I access Kasasa 360?
Your Kasasa institution will provide a website URL for you to access via a computer, tablet, or web-enabled smartphone.

To register, you'll need your online banking username and password, along with usernames and passwords for any other financial products you want to import (e.g. credit cards and loans) if your Kasasa provider offers account aggregation. If you already have an account with a Kasasa provider, simply use your current online banking credentials, or set up credentials at their online banking dashboard. If you don't have an account with a Kasasa provider, open one at Kasasa.com or by visiting one of their branches.

Do I have to have an account with a Kasasa provider in order to use Kasasa 360?
In most cases, you'll need to have a Kasasa account to use Kasasa 360. Some Kasasa providers offer Kasasa 360 to all of their account holders. Please contact the specific Kasasa provider you are interested in for more details.
Can I track my investments held with other financial institutions using Kasasa 360?
Most Kasasa providers offer the ability to pull in information from outside providers so you can monitor all kinds of financial accounts including: investments, savings and checking accounts, and loans and credit cards from all institutions with which you have an online banking username and password. When comparing institutions, look for "account aggregation" if this feature is of interest to you.
What kind of alerts can I set up using Kasasa 360?
There are several types of alerts you can set up. These include alerts for: large withdrawals, low balances, exceeded budgets, budget summaries, and high card spending. Alerts can be sent to your e-mail and/or to your secure Message Center within Kasasa 360.
What reports are available with Kasasa 360?
With Kasasa 360 you can view reports for spending by category, net worth, and cash flow activity.
How frequently are the account balances shown in Kasasa 360 updated?
The account balances displayed in Kasasa 360 are updated during each login and automatically every night. The data comes directly from the Internet banking provider at each of your institutions, so it reflects the most up-to-date transaction and balance data available. You can also manually update by using the refresh button.
How much does it cost to use Kasasa 360?
Most Kasasa providers offer Kasasa 360 for free if you have a Kasasa account. Contact the institution you are interested in for detail on any costs that may apply. You can also reference the account disclosures before opening a Kasasa account for more detail.
How do I get started using Kasasa 360?
Your Kasasa provider will provide you with a unique URL and login to get registered and set up in just minutes.
How can I find out more about Kasasa 360?
Our Kasasa.com service representatives would be glad to help you learn more or you can call one of the Kasasa providers directly or visit one of their branches to get more information.
  • Free Checking Accounts + Refunds On ATM Fees
  • Free Savings Account
  • Money Management
  • Kasasa Cash®

    Cash in on really high rates that put you in control.

    More
  • Kasasa Cash Back®

    Get cash back on everyday debit purchases.

    More
  • Kasasa Giving®

    Get money to keep and more to donate.

    More
  • Kasasa Tunes®

    Get digital downloads every month.

    More
  • Kasasa Saver®

    Automatically earn more to help you save.

    More
  • Kasasa 360®

    Know where all your money goes in just one touch.

    More