Kasasa Accounts


High-yield checking consumers love that keeps COF low.

Kasasa accounts have no minimum balance requirements and no monthly maintenance fees. Account holders can earn monthly cash rewards, plus nationwide refunds on ATM withdrawal fees every month they qualify.


A new approach to checking and savings.

When you fund with expensive CDs, the high COF never stops...until the deposits leave for a better rate. Kasasa checking lets you change the math on deposit growth, allowing you to grow at a lower COF. Consumers earn rewards by meeting monthly qualifications that increase revenue and lower expenses. Pay less for deposits, protect margins, and earn more from the accounts.




higher average balance per account1 


more non-interest income1 


less reliance on expensive CDs2

1Kasasa Analytics 2023 

2NCUA/FDIC Q2 2023 vs Q2 2022 

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Perfect the offer for your consumers.



Reduce reliance on expensive CDs and build loyalty with high-yield checking. 



Attract younger consumers who swipe more often with cash back on debit card purchases. 



Appeal to younger consumers with cash back on delivery services and grocery store purchases. 



Reach Gen Y with refunds on debit card purchases for streaming services, including music, video, gaming, and more. 



Help account holders build savings automatically by sweeping their monthly rewards into this high-yield account. 

Real growth with a new approach.

Lasting growth comes from offering the right products, using data-driven marketing, and optimizing based on expert guidance. When you go to market with Kasasa products, driving results gets easier.


Optimized marketing

Choose the marketing program that fits your goals to deliver the perfect offer to the best consumers in your market. 


Dedicated support

When the economy shifts, our client success team has the experience and data to help you optimize for your goals.


Results. Our business model at Kasasa is based on ensuring you experience the success you expect. While other high-yield checking modules are available in the marketplace, the Kasasa solution is truly one of a kind.  

There are a host of benefits that make this program unique, but the primary differences are: 

  1. A comprehensive client success team that gives you every advantage we have. 
  2. A proven marketing operation that delivers results for every market and budget and is enabled by the scale of the Kasasa network.  

Over the past two decades, we’ve seen exactly how community financial institutions can change the math on Cost Of Funds, perfect the offer to market successfully, and manage any surprises along the way. That’s why every client gets access to: 

  • Dedicated success team 
  • In-demand products 
  • Compliance oversight 
  • Frontline training 
  • Mystery shopping 
  • Business intelligence 
  • Analytics and consulting 
  • World-class marketing programs  

Furthermore, the exposure through social media and thousands of online articles about Kasasa helps to strengthen the impact any marketing dollars your financial institution spends on the products locally. 

Today, Kasasa means free checking with high-yield benefits, only available at community financial institutions. Prior to its inception, “Kasasa” had no meaning in the English language. We teamed up with brand-development experts to create a name that’s catchy, fun to say, fun to write, and easy to remember. The Kasasa brand has proven to capture the attention of even the most disengaged consumers. 

The Kasasa portfolio includes deposit accounts and an unprecedented Take-Back™ feature for your loans. All our products were developed using consumer research to create a win-win for financial institutions and consumers. 

Our deposit accounts help you attract low-cost core deposits without the phantom growth that comes with expensive CDs. Kasasa accounts have half the COF of comparable high-yield products, yet they encourage revenue-boosting and cost-saving behaviors that every institution wants. Kasasa deposit accounts make the perfect offer for today’s consumers with compelling rewards, nationwide refunds on ATM withdrawal fees, and proven marketing campaigns. This combination shows consumers that local institutions have the innovative banking products they want. The result is stickier accounts, higher profit per account, and loyal relationships.   

Kasasa accounts are always free with no minimum balance (because that’s what consumers say matters most). Even better, the accounts offer nationwide refunds on ATM withdrawal fees and compelling rewards when certain qualifications are met each month. Depending on which account the consumer chooses, the reward could be high yields, cash back on debit card purchases, cash back for groceries and delivery, or reimbursements for streaming services. 

The qualifications are tailored to the corporate goals you have shared with the Kasasa team and are structured so that consumers find them easy to achieve (for example, using a debit card, adopting e-statements or online banking). If an account holder does not qualify in a given month, they would not receive rewards, but the account remains free and can qualify for rewards again next month. 

Kasasa has a very high client retention rate because our clients see consistent success. Though unlikely, we want you to have peace of mind that if, for some reason the program should not perform, your bases are covered. Part of the Kasasa Checking System agreement is a profitability guarantee with a one-year out. If the annual profits from Kasasa accounts in the first year do not exceed fees paid to Kasasa, we will cut you a check for the difference. At that time, you would then have the opportunity to exit the relationship. Details are further outlined in the contractual agreement. 

Client Success Story

See how others achieve real growth.

Boost engagement with low-cost, high-yield checking.

1.10% all in funding cost with Kasasa checking.

See APCU's success story