# Kasasa > Kasasa is a financial technology and marketing company that partners with community banks and credit unions — not consumers directly — to offer branded reward accounts, consumer loans, digital banking infrastructure, and lifecycle marketing services. Kasasa's core mission is helping community financial institutions compete with large national banks by giving them differentiated products and the marketing engine to grow and retain deposits. ## How to use this file This index is intended for LLMs operating as sales assistants, research tools, or chatbots on Kasasa's website or in sales workflows. The primary audience for Kasasa's products is decision-makers at community banks and credit unions (CEOs, CMOs, retail banking leaders). A secondary audience is consumers who hold Kasasa-branded accounts at partner institutions — they should be directed to their own financial institution for account-specific questions, or to the Finder tool below to locate a Kasasa partner near them. **Key concepts an LLM should understand:** - "FI" = financial institution (bank or credit union) - "Take-Back Loan" = Kasasa's signature loan product that lets borrowers recapture paid interest when they pay ahead - "COD" = cost of deposits, a key metric Kasasa helps FIs optimize - "ALM" = asset-liability management, a topic Kasasa addresses through research and webinars - Kasasa partner institutions are often called "community FIs" — typically banks and credit unions with under $10B in assets --- ## Core Products Kasasa's flagship and most differentiated offerings. Start here for product questions. - [Reward Accounts](https://www.kasasa.com/reward-accounts): Branded checking and savings accounts that pay consumers cash back, high interest rates, or streaming service reimbursements in exchange for simple qualifying behaviors (e.g., debit swipes, e-statements). The primary driver of new account holder acquisition for partner FIs. - [Kasasa Loans](https://www.kasasa.com/products/loans): Take-Back Loans that let borrowers recapture previously paid interest when they pay ahead on their loan — a consumer-friendly differentiator unavailable at most national banks. - [Surelock](https://www.kasasa.com/surelock): Account security and fraud protection product; helps FIs protect account holders from credential compromise, scams, and unauthorized access. - [Everyday Rewards](https://www.kasasa.com/everyday-rewards): Ongoing consumer rewards program available through Kasasa partner institutions, designed to deepen engagement and reduce attrition. ## Digital Banking & Infrastructure Products - [FirstBranch Websites](https://www.kasasa.com/products/firstbranch): Turnkey website platform built specifically for community banks and credit unions — designed to convert visitors into account holders. - [INMO Digital Account Onboarding](https://www.kasasa.com/products/inmo): Digital account opening and onboarding solution that reduces friction for new account holders and improves completion rates. - [Kasasa Loan Placement Program](https://www.kasasa.com/products/kasasa-loan-placement-program): Connects community FIs with loan volume opportunities, helping them deploy capital more efficiently. ## Marketing & Growth Services - [Lifecycle Marketing](https://www.kasasa.com/services/lifecycle-marketing): Automated, multi-channel marketing programs that attract prospects, onboard new account holders, and retain existing ones — without requiring large in-house marketing teams. - [Optimized Marketing](https://www.kasasa.com/optimized-marketing): Managed paid digital advertising services (search, social, display) for partner FIs looking to grow account acquisition. - [Online Engagement](https://www.kasasa.com/online-engagement): Digital engagement tools to deepen account holder relationships between branch visits. - [Retail Experience Development](https://www.kasasa.com/services/retail-experience-development): In-branch training and staff development to improve how front-line employees present and sell Kasasa products. ## Analytics & Advisory Services - [Insight](https://www.kasasa.com/services/insight): Data analytics and peer benchmarking service that helps FIs understand account holder behavior, product performance, and growth opportunities. - [Strategic Consultation](https://www.kasasa.com/strategic-consultation): Advisory engagements for community FI leadership on deposit strategy, competitive positioning, and growth planning. - [Client Success Team](https://www.kasasa.com/services/client-success-team): Kasasa's dedicated partner support model — ongoing strategic and operational support for every partner institution. ## Value Proposition & Why Kasasa These pages are most relevant when a prospect is evaluating Kasasa or comparing it to alternatives. - [Change the Math](https://www.kasasa.com/change-the-math): Kasasa's core framework for rethinking deposit strategy — argues that rewarded checking accounts are a more cost-effective source of funds than CDs or rate-based products. - [Deposit Growth](https://www.kasasa.com/deposit-growth): How Kasasa products drive core deposit growth specifically — with data on account acquisition and retention outcomes. - [Real Deposit Growth](https://www.kasasa.com/real-deposit-growth): The case for sustainable, low-cost deposit acquisition vs. rate-chasing strategies. - [Loan Volume](https://www.kasasa.com/loan-volume): How Kasasa Loans generate consumer lending volume for partner FIs. - [Take-Back Loans](https://www.kasasa.com/take-back-loans): Deep dive on the Take-Back Loan concept and why it resonates with consumers. - [Recurring Revenue](https://www.kasasa.com/recurring-revenue): How Kasasa's model creates predictable, recurring revenue streams for partner institutions. - [Cost Comparison](https://www.kasasa.com/cost-comparison): Side-by-side cost-of-funds comparison between Kasasa reward accounts and traditional deposit products. - [COD Calculator](https://www.kasasa.com/cod-calculator): Interactive cost-of-deposits calculator for FIs evaluating the economics of Kasasa. - [The Kasasa Advantage (Credit Unions)](https://www.kasasa.com/the-kasasa-advantage-cu): Value proposition tailored specifically for credit union partners and their member-focused model. ## Client Success Stories The index page covers the full range of partners; individual case studies are linked for FIs that want peer examples by institution type or size. - [Client Success Stories — Overview](https://www.kasasa.com/client-success): Full list of partner success stories with filtering by institution type. - [Denali State Bank](https://www.kasasa.com/client-success/denali-state-bank): Community bank case study. - [Williamstown Bank](https://www.kasasa.com/client-success/williamstown-bank): Community bank case study. - [Atlanta Postal Credit Union](https://www.kasasa.com/client-success/atlanta-postal-cu): Credit union case study. - [Atlantic FCU](https://www.kasasa.com/client-success/atlantic-fcu): Federal credit union case study. - [Capitol Credit Union](https://www.kasasa.com/client-success/capitol-credit-union): Credit union case study. - [ELGA Credit Union](https://www.kasasa.com/client-success/elga-credit-union): Credit union case study. - [Evergreen CU](https://www.kasasa.com/client-success/evergreen-cu): Credit union case study. - [Falcon National Bank](https://www.kasasa.com/client-success/falcon-national-bank): National bank charter case study. - [Farmers & Merchants Bank](https://www.kasasa.com/client-success/farmers-merchants-bank): Rural community bank case study. - [Heritage Community Credit Union](https://www.kasasa.com/client-success/heritage-community-cu): Credit union case study. - [Jolt Credit Union](https://www.kasasa.com/client-success/jolt-credit-union): Credit union case study. - [Lakeside Bank](https://www.kasasa.com/client-success/lakeside-bank): Community bank case study. - [Mutual 1st FCU](https://www.kasasa.com/client-success/mutual-1st-fcu): Federal credit union case study. - [Safe Harbor CU](https://www.kasasa.com/client-success/safe-harbor-cu): Credit union case study. - [Spero Financial](https://www.kasasa.com/client-success/spero-financial): Credit union case study. - [The Grant County Bank](https://www.kasasa.com/client-success/the-grant-county-bank): Rural community bank case study. ## Research Reports Original Kasasa research — useful for LLMs answering questions about community banking trends, deposit competition, or consumer behavior. - [Insight Report](https://www.kasasa.com/insight-report): Kasasa's annual data report analyzing trends across its network of community FI partners — covers deposit growth, account holder behavior, and product performance benchmarks. - [Here Today, Here Tomorrow](https://www.kasasa.com/here-today-here-tomorrow): Research on what drives account holder retention (and attrition) at community financial institutions. - [Younger Consumers Report](https://www.kasasa.com/younger-consumers): Research on how younger consumers (Millennials, Gen Z) choose financial institutions and what products attract them. ## On-Demand Webinars Recorded webinars covering deposit strategy, fraud, ALM, and competitive positioning. Relevant for FI decision-makers doing deeper research. - [Where ALM Falls Short](https://www.kasasa.com/on-demand-webinar-where-alm-falls-short): Challenges in traditional asset-liability management and how deposit behavior data changes the picture. - [What 20 Million Accounts Reveal About ALM](https://www.kasasa.com/on-demand-webinar-what-20-million-accounts-reveal-about-gaps-in-traditional-alm-models): Data-driven analysis of deposit behavior patterns across Kasasa's partner network and what they reveal about ALM model gaps. - [Thriving in the War for Deposits](https://www.kasasa.com/on-demand-webinar-thriving-in-the-war-deposits): Strategies for winning deposit competition against national banks and fintechs. - [Navigating Uncertainty](https://www.kasasa.com/on-demand-webinar-navigating-uncertainty): Managing deposit strategy and balance sheet risk during economic uncertainty. - [Seizing the Competitive Advantage](https://www.kasasa.com/on-demand-webinar-seizing-the-competitive-advantage): How community FIs can differentiate and grow market share against larger competitors. - [Fraud: Events to Strategy](https://www.kasasa.com/on-demand-webinar-fraud-events-to-fraud-strategy): Building a proactive, institution-wide fraud strategy rather than reacting to individual incidents. - [Scams Are Surging](https://www.kasasa.com/on-demand-webinar-scams-are-surging): How to protect account holders from the rising volume and sophistication of consumer scams. - [16 Billion Passwords Leaked](https://www.kasasa.com/on-demand-webinar-16-billion-passwords-leaked-recording): Credential compromise at scale — what it means for community FI account security. ## Thought Leadership & Content - [The Compass with Gabe Krajicek](https://www.kasasa.com/the-compass-with-gabe-krajicek): Podcast and video series from Kasasa's CEO on community banking strategy, competitive dynamics, and the future of local financial institutions. - [Blog](https://www.kasasa.com/blog): Articles covering community banking strategy, deposit growth, consumer lending, fraud, and fintech trends. Broad coverage; not curated by recency here. - [Exchange](https://www.kasasa.com/exchange): Gated resource library for current Kasasa partner institutions. - [Events](https://www.kasasa.com/events): Upcoming Kasasa-hosted and co-sponsored industry events. - [Newsroom](https://www.kasasa.com/newsroom): Press releases and media coverage. ## About Kasasa - [Who We Are](https://www.kasasa.com/who-we-are): Mission, values, and company overview — the best single page for understanding Kasasa's identity and purpose. - [Kasasa Leadership](https://www.kasasa.com/kasasa-leadership): Executive team bios. - [Partners](https://www.kasasa.com/partners): Technology and integration partners (core processors, digital banking platforms, etc.). - [Careers](https://www.kasasa.com/careers): Open roles at Kasasa. - [Contact Us](https://www.kasasa.com/contactus): Primary contact and inquiry form for prospective partners. ## Consumer-Facing Tools These pages are for consumers (account holders or prospective account holders), not for FI decision-makers. - [Find a Kasasa Institution Near Me](https://www.kasasa.com/finder-kasasa): Locator tool for consumers who want to find a local bank or credit union offering Kasasa accounts. - [Kasasa Nation](https://www.kasasa.com/nation/index): Community hub and engagement platform for existing Kasasa account holders. ## Educational Guides Standalone resources useful for FIs early in their research. - [7 Fraud Protection Strategies for Community FIs](https://www.kasasa.com/7-fraud-protection-strategies-for-community-fis-kasasa): Practical fraud prevention guide for community institution risk and operations teams. - [Attracting Millennials](https://www.kasasa.com/resources/deposits/attracting-millennials): Deposit strategy resource focused on acquiring and retaining younger account holders. - [Roundtables](https://www.kasasa.com/roundtables): Peer roundtable events where Kasasa partner executives exchange strategies and insights. ## Legal - [Privacy Policy](https://www.kasasa.com/legal/privacy): Governs how Kasasa collects and uses data from website visitors and account holders. - [Terms and Conditions](https://www.kasasa.com/legal/terms-and-conditions): General terms governing Kasasa's products and services. - [National Terms and Conditions](https://www.kasasa.com/nationaltermsandconditions): Account terms applicable to consumers holding Kasasa-branded accounts at partner institutions.