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 your new account, 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 Kasasa institutions 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.

Be sure to ask your local community banks and credit unions about Kasasa – they may in the process of adding Kasasa accounts and can tell you when they’ll be available.

I've never heard of some of these banks or credit unions. Why would I trust them with my money?
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 agree to 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, 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 your new account, 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 Kasasa institutions 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 Kasasa institutions 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.

Be sure to ask your local community banks and credit unions about Kasasa – they may in the process of adding Kasasa accounts and can tell you when they’ll be available.

I've never heard of some of these banks or credit unions. Why would I trust them with my money?
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 agree to 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 Tunes 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 Kasasa institutions 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.

Be sure to ask your local community banks and credit unions about Kasasa – they may in the process of adding Kasasa accounts and can tell you when they’ll be available.

I've never heard of some of these banks or credit unions. Why would I trust them with my money?
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 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.
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 agree to 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 refunds?
When you meet the qualifications, your chosen financial institution sends you notification that you can purchase up to a specified amount that month. 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 refunds–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 refunds! Contact your chosen institution for more details.
How do I know I am being reimbursed?
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 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 Kasasa institutions 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.

Be sure to ask your local community banks and credit unions about Kasasa – they may in the process of adding Kasasa accounts and can tell you when they’ll be available.

I've never heard of some of these banks or credit unions. Why would I trust them with my money?
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 agree to 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?
Kasasa 360 is a Personal Financial Management tool (PFM) that helps you budget and manage your finances. It allows you to view all of your accounts in one place, including accounts at other places you bank. So you can easily see all your balances and transactions whenever you want. Plus, it’s available for free.
How do I get started with Kasasa 360?
Step 1 — Sign up for your account (Note: you must have an account at a bank or credit union that offers Kasasa 360)

Log into your bank or credit union’s website and find the link for “Kasasa 360.” Follow the instructions in the setup wizard to add your accounts from other places you bank. Enter your profile information to complete the setup.

Step 2 — Add your accounts

When the initial setup is complete, open the ‘Accounts View’ and verify that you have added all of your financial accounts. Add any missing accounts and other assets like property, like homes or vehicles (we call them “manual accounts”). You can also create “manual accounts” for accounts that are broken or accounts at financial institutions you can’t find on Kasasa. See “How do I fix an account that is ‘broken’?”

How do I categorize or re-categorize my transactions?
After all of your accounts have been added, open the ‘Transactions View’ and review your transactions for accuracy. Transactions are automatically categorized for your convenience, but in some instances, they may need to be re-categorized. Your changes will be applied to future transactions. If you want to enter additional details about your transactions, see “How do I manage my transactions?”
How do I create budgets?
With your transactions correctly categorized, you can easily see budgets based on your actual spending history. Open ‘Budgets’ and follow the instructions to generate a budget. You can also create a budget manually. See “How do I create a budget?”
How do I get Kasasa 360 on my iPhone, Android or tablet?
  1. Set up your account (See “How do I get started with Kasasa 360” above)
  2. Generate an access code:
    • Click on the ‘Settings’ icon in the navigation bar (it looks like a gear)
    • Click on the ‘Mobile Devices’ tab
    • Click ‘Generate access code’ button
  3. Download Kasasa 360 from the App Store (Apple) or Google Play (Android)
  4. Enter the access code to sync your accounts
How do I add an account?
Open the ‘Accounts View’ and click on [+Add an Account] in the sub navigation bar. Type the name of your financial institution to search our database, then select it from the list (you’ll then enter your login credentials for that institution).

If your institution is not supported, you can add and manage your accounts manually. This will require that you periodically edit your account to update the balance. See “How do I edit an account?” Entering manual transactions will also update your balance accordingly. See “How do I add a transaction?”

I added my checking and savings accounts from another financial institution. Why didn’t my loans and other accounts import as well?
It depends on the institution, but you will usually need to add each account separately. This means if you have 3 accounts with an institution, such as a checking account, a loan, and a credit card, you will need to enter your login credentials for that institution when you add each account.

In certain instances, you may need to search for the ‘Institution Name + type of account’ when you’re adding accounts. For example, try searching “ABC123 Bank Credit Card” vs. just “ABC123 Bank.”

How do I edit an account?
Open the ‘Accounts View’ and click on the account you wish to edit. This opens a more detailed view where you can change an account name, account type, and interest rate. You can also edit the account balance of ‘manual accounts’.
I can see my loan details, like original balance and interest rate, for my primary institution accounts. Why don’t I see them on my other accounts?
Not all institutions are able to send us that information. You should always check your loan details to make sure they are correct in Kasasa 360.
How do I delete an account?
Open the ‘Accounts View’ and click on the account you wish to delete. Click on the trashcan icon and confirm your decision to delete the account. You cannot delete an account from your primary institution (so the trashcan icon will not be present). You can, however, exclude a primary account by selecting that account from the ‘Accounts View’ screen, then clicking [Exclude Account] on the right-hand side. This will exclude the account and its transactions from being calculated into your budgets, spending etc.

Note: Deleting an account also deletes all historical balance and transaction data associated with that account. Do not delete an account unless you are sure you are okay with losing all associated data.

Can I recover transactions or other data from an account I have deleted?
No. So only delete an account if you’re okay with losing all history for that account. Otherwise, try adjusting the Show/Hide account settings for the account instead. Also, know that if you delete an institution, all accounts under that institution will also be deleted.
How do I fix an account that is “broken”?
From the ‘Accounts View’, broken accounts will be displayed with an exclamation point in red (over the top-right corner of the account card). Click on the “broken” account to open a more detailed view of the account, then click on the red warning message in the ‘Link Status’ section. You may be required to re-enter your login credentials. A notification will also appear on the ‘Manage Institutions’ icon in the navigation bar.

If the account continues to fail:

  1. Log into your financial institution’s online banking to verify your login credentials are correct, and that there are no holds on the account preventing you from signing in.
  2. Add the account again, and pay special attention to the URL, to make sure you are attempting to add the correct financial institution. Many institutions have similar names and websites.
  3. For support needs, please see “How do I get help?”

In the meantime, you can create a “manual account” for any account that is broken. See “How do I manage my transactions?”

One or more of my external accounts would not import to Kasasa 360. Why?
There are many types of online banking accounts, and not all are compatible with common aggregation methods (aggregation = the science behind displaying accounts from multiple places). Kasasa 360 utilizes multiple aggregation sources and an aggregation engine to provide the best possible coverage. But if you do find that we can’t support an account at one of your institutions, a manual account can be created in the ‘Accounts View’.
Can I add an account in Kasasa 360 that I can’t find when I search for it?
Yes! Open the ‘Accounts View’ and click on [+Add an Account] in the sub navigation bar. Choose the account type and enter your account details, then click [Save It].

You will need to update this account manually by updating the balance and entering transactions periodically. We call this a “manual account.”

How do I add an asset, like my home or vehicles, to balance my loans in net worth?
This would be a “manual account.” Create a manual account by doing the following:
  1. Select ‘Accounts’ from the top navigation bar
  2. Click on [+Add an Account] from the sub navigation bar or choose an account type from the bottom left menu to add.
  3. Click on [+Add a Manual Account]
  4. Enter the current balance (or value) for the asset
  5. Enter an account name
  6. Select Property as the account type
  7. Click on [Save It]
How do I add a transaction?
You can add a transaction manually to any account you’ve added manually (“manual accounts”). Transactions associated with “linked accounts” (accounts supported by Kasasa 360) will be imported automatically when you sign on. To add a manual transaction, open the ‘Transactions View’ and click ‘Add a Manual Transaction’ (indicated by the + icon) in the sub navigation bar. Select a manual account and category from the dropdown menus, enter the transaction details, then click on [SAVE IT].
How do I edit a transaction?
Click on an individual transaction within the ‘Transaction View’ to bring up details for the transaction. To categorize this transaction, click on the category field of the transaction line and select from the dropdown menu. You can also edit other transaction details like payee description, tags, flags, and memos, as well as split a transaction from this view.
How does Kasasa 360 categorize transactions?
When transactions are imported, they are auto-categorized based on how you and other users have categorized similar transactions. When you change a transaction category, Kasasa 360 will remember your preference for next time.
How do I manage my transactions?
The ‘Transactions View’ provides an easy way to review or find transactions from any account, over any time period. You can use the date range selector to determine what time frame the transactions represent, or you can use the search field to filter by payee, account, tags, amount, category, or date.

NOTE: You should always take a moment to review newly imported transactions. Not only does this help you keep track of your spending, but it will also help you to quickly identify fraudulent charges. When reviewing your transactions, make sure you recognize the transaction, and verify that it is categorized correctly.

To view more or edit detail on a transaction, just click on it. You can customize your transactions using the following features:

  • Category – Categorize transactions so your spending will be accurately reflected in ‘Spending’ and ‘Budgets’. Click on the category field and select the correct category from the dropdown list.
  • Flags - Flag a transaction ‘B’ for business-related, ‘P’ for personal (default), or mark it with a flag to make it stand out in the transaction list.
  • Tags – Create custom tags to label transactions for searching. For example, you may wish to tag tax-related expenses, or expenses related to a vacation or family goal.
  • Memo – Add a memo when you need to remember special details about a transaction.
  • Split – Split a transaction between multiple categories to account for specific amounts in ‘Spending’ and ‘Budgets’.
How far back will Kasasa 360 import my data from my primary institution and other institutions?
Kasasa 360 will import 90 days of transaction history from your primary institution. The amount of data that will be imported from other places you bank depends on the institution’s policies.

After the initial account setup, Kasasa 360 will pull new transactions from the last 30 days, so you must sign in at least once every 30 days to avoid creating a gap in your data.

How far back does Kasasa 360 save my transaction and budget history?
Kasasa 360 will save your history for as long as you keep your account with your primary institution.
How do I create my own category?
Click on the individual transaction you wish to change to open a detailed view of this transaction, then click on the ‘Category’ dropdown to see a list of existing categories. You are able to create a custom subcategory beneath any of the main categories, but you cannot create a new main category. Hover over the main category your custom subcategory will belong to, then click on [Add New Sub-Category +] in the side menu. Enter the name of your subcategory and click [ADD] to confirm.
How do I categorize loan payments and transfers?
There is a special category called “Transfer” for loan payments and transfers that will exclude those transactions from ‘Spending’ and ‘Budgets’.

A word on loan payments – All loan payments have two transactions: the negative transaction of money leaving your bank account, and the positive transaction of money paid towards the debt, decreasing what you owe. (Note: This is not the case with credit cards. Keep reading to see more on credit cards.) The negative transaction should be categorized as the expense, so your budget will reflect your spending on that category. The positive transaction should be categorized as a transfer, so it does not void the expense of the loan payment.

For example: The negative transaction of a mortgage payment would be categorized as ‘Home: Mortgage & Rent’, and the positive transaction would be categorized as ‘Transfer: Mortgage Payment’. You can create custom subcategories for all of your loan payments if you wish.

A loan payment essentially is a transfer. The money leaves your bank account, but you then own that much more of the asset associated with the debt, like a home or car. Credit cards are different, because there is no asset associated with the debt. A credit card payment is repayment for money borrowed, on transactions already accounted for in your budget. If you actively use your credit card, payments on that card should be categorized as ‘Transfer: Credit Card Payment’. If you are paying off your credit card, and would like to track your progress in ‘Spending’ and ‘Budgets’, see “How do I budget for paying off debt?”

How do I budget for paying off debt?
We recommend that you create a custom subcategory to track your progress, such as ‘Bills & Utilities: Credit Card Payoff’. This will allow you to see in ‘Spending View’ and ‘Budget View’ how much you have spent towards paying down that debt.

If you decide to use your credit card while you are still paying it off, you can split the transaction between ‘Transfers: Credit Card Payment’ for the portion that pays back what you spent and ‘Bills & Utilities: Credit Card Payoff’ for the amount that will be applied to the previous balance.

If you also want to track separately how much of your credit card payment is applied to interest vs. what you owe, see “How do I account for interest paid on a loan?”

How do I account for interest paid on a loan?
Some institutions send a separate transaction for principle paid and interest paid on a loan, but some institutions only send a single transaction for the total amount paid. If your institution sends a single transaction for principle + interest paid, you can split the transaction.

Click on the individual transaction to open a more detailed view, and click [Split Transaction] on the right-hand side. Use the Fees and Charges category to track your interest paid. You can add a custom subcategory for all your loan payments if you wish. You will need to obtain the amount spent on interest vs. principle from your financial institution.

Note: The debt account balance will always be accurate, as the institution sends us the remaining balance regardless of the transaction is displayed.

How do I use the spending wheel?
The ‘Spending View’ displays your spending across all categories for the time period selected. Use the date range selector to specify what date range you would like to see.

You can click on a category from the list, or in the wheel, to see your subcategory spending. Then click the center of the wheel or from the list to see the specific transactions within the selected subcategory.

Note: Your transactions must be categorized for the spending wheel to show actual spending. If your spending in a given category looks wrong, review your transactions for inaccuracies.

How do I create budgets?
Open the ‘Budgets View’, then click ‘Add a budget’ (indicated by the ‘+’ icon) in the sub navigation bar, and select a category from the dropdown menu.
How do I use budgets?
The ‘Budgets View’ can help you track and control your spending in select budget categories. You can use budgets to track all of your regular household expenses, or just specific categories that you want to monitor more closely. Budgets are useful for setting and working towards financial goals, or simply being more aware of your spending habits.
I’m missing a category from my ‘Spending View’ or ‘Budgets View’. I know I have transactions in this category, but it’s not appearing. How do I fix this?
Review your transactions to make sure they are categorized correctly. A “missing category” is caused by a large transaction amount that has been assigned the wrong category.
How do I set alerts?
Click on the gear icon in the navigation bar to open ‘Settings’, and then click on the ‘Budget Alerts’ tab. Click the envelope icon next to each alert you want to receive.
How do I update my profile information?
Click on the gear icon in the navigation bar to open ‘Settings’, and then click on the ‘Profile’ tab.
How do I change my password?
To change password, just go to your ‘Profile’ in the top right hand corner (next to “Welcome back”) and choose ‘Change Password’.
Is my financial data safe in Kasasa 360?
Absolutely. Industry leading encryption technology is used to protect your data. Kasasa 360 places your privacy and security as its highest priority. The Kasasa 360 applications are as secure as your regular home banking.
How do I get help?
Click on the ‘?’ icon in the navigation bar to open the help options. Then choose the icon that relates to any question you may have. If you would like, you can also provide feedback which will create a support request.

To get help while on your smartphone or tablet, open Settings and tap on ‘Feedback’.

How do I email or print reports?
Email and print functionality is currently available exclusively on the iPad Kasasa 360 app.
What browser is recommended to use Kasasa 360?
Browser support will vary based on the browser version. More than 74% of all internet users now use a modern browser like Google Chrome, whereas less than 14% still use limited browsers, like Internet Explorer 7 and 8, because of their inability to take advantage of the newest features. If your browser is incompatible, the software will alert you and ask you to upgrade.
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