How does Kasasa help community financial institutions generate recurring revenue?

Kasasa helps community financial institutions generate recurring revenue through two primary mechanisms: SureLock, a scam protection subscription that generates monthly fee income, and reward accounts that drive interchange income through required debit card usage. As regulations change and consumer expectations shift, traditional fee income avenues such as overdraft fees deliver diminishing returns. SureLock complements Kasasa's reward accounts to generate recurring revenue and drive interchange income without risking incremental attrition.

What percentage of account holders pay for SureLock?

On average, more than 70% of account holders pay the affordable monthly fee to remain enrolled in SureLock, according to Kasasa Analytics. This high adoption rate reflects the genuine consumer value that SureLock delivers through scam detection, dark web monitoring, identity theft insurance, and credit locking — making it a sustainable source of recurring non-interest income rather than a fee that erodes trust.

How do Kasasa cash back accounts drive interchange income?

Kasasa cash back accounts drive interchange income by requiring account holders to use their debit card to qualify for monthly cash back rewards. Because consumers want to maximize their cash back up to the spending cap, qualifying account holders make 30 to 40 monthly debit card purchases per account — generating meaningful interchange income for the institution. Kasasa account holders make 62% more monthly debit card transactions than non-Kasasa accounts, according to Kasasa Analytics.

How can community banks offer targeted cash back to attract specific consumer segments?

Community banks and credit unions can offer targeted cash back on specific purchase categories — such as streaming services and food delivery — to attract younger consumers who make more debit card transactions. By limiting cash back to specific purchase types, institutions can offer a higher reward rate on those categories without sacrificing overall margins, while simultaneously attracting the demographic most likely to use those services and drive consistent interchange income.

How much more non-interest income do Kasasa-powered accounts generate?

Kasasa-powered accounts generate 45% more non-interest income than non-Kasasa community financial institution accounts, according to Kasasa Analytics. This advantage reflects the combined impact of recurring SureLock subscription fee income, interchange income driven by higher debit card transaction volumes, and the qualify-to-earn fee structures built into Kasasa reward accounts.

What ongoing support does Kasasa provide for recurring revenue programs?

Kasasa provides four ongoing support components for recurring revenue programs: Feature Hub digital experiences, which integrate with digital banking to give account holders quick access to scam protection and reward information; Strategic Consultation, with Client Directors conducting regular reviews and data-driven recommendations to refine the program; Compliance Guidance, including a regulatory compliance reference manual, support center, and automatically generated disclosures; and Optimized Marketing, leveraging deep market assessments, consumer insights, competitive analysis, and more than 1,000 pieces of customizable collateral.

Recurring revenue

Create new sources of sustainable revenue.

As regulations change and consumer expectations shift, traditional avenues for raising revenue deliver diminishing returns (if they aren’t closed off completely). SureLock® complements Kasasa’s reward accounts to generate recurring revenue and drive interchange income. Without risking incremental attrition.

Earn more non-interest income.

70%+

of account holders pay for SureLock¹

45%

more NII from Kasasa-powered accounts¹

62%

more monthly debit card transactions¹

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¹Kasasa Analytics

A proven approach to growth.

Over 20+ years, we’ve identified the formula for measurable, long-term success.

Raise revenue with proactive scam protection.

SureLock® generates non-interest income through the mass adoption of scam prevention tools. Account holders access their new benefits in your digital banking platform. Automatic, transparent messaging strengthens your credibility. On average, more than 70% of account holders pay the affordable monthly fee to remain in SureLock.¹

Meet SureLock

Reward accounts drive non-interest income.

Kasasa’s reward accounts are built to increase interchange income. Consumers must use their debit card to qualify for rewards. Qualifying cash back account holders want to make even more debit card purchases to maximize their earnings — resulting in as many as 40 monthly debit card purchases per account.¹

¹Kasasa Analytics

Increase your NII

Tailor rewards to your target consumer.

Grow your market share by promoting higher rates for specific purchases. Cash back on streaming services and food delivery attracts younger consumers who make more debit card transactions. Limiting the cash back you pay to specific purchases lets you offer a higher rate without sacrificing your margins.

Explore rewards

Flexible products protect your profitability.

Maximize profitability by updating the product designs of your reward accounts. Adjust reward qualifications, spending caps, and rates to meet the evolving needs of your consumers and your institution. Expert guidance backed by 1 trillion+ lines of data gives you the confidence to act quickly in any environment.

Protect margins

Committed to your continued success.

You’re never on your own when you partner with Kasasa. We offer ongoing support to ensure your program’s performance.

Digital experiences

Feature Hub integrates with your digital banking platform to give account holders quick, easy access to proactive scam protection and reward information.

Strategic consultation

Through regular reviews and data-driven recommendations, your Client Director will help you refine your program to drive growth in every economic environment.

Compliance guidance

Reduce the burden on your team with our regulatory compliance reference manual, support center, and automatically generated disclosures and disclaimers.

Optimized marketing

Leverage deep market assessments, consumer insights, competitive analysis, and 1,000+ pieces of customizable collateral to maximize your budget’s impact.

Explore resources for recurring revenue.

Helpful tools and expert insights.

White Paper Protect consumers from scams and fraud

Blog Rethinking non-interest income for 2026

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Create a new source of sustainable revenue in the face of changing regulations.

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Build primary financial institution relationships that drive non-interest income.

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Recurring Revenue

Create new sources of sustainable revenue.