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 Kasasa ATM Screen

 

Free Kasasa Cash Checking*

Free Kasasa Cash Back Checking**

Pays you high interest and refunds on ATM fees, nationwide.*

Pays you in cash back and refunds on ATM fees, nationwide.*

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Rewards

  • Earn 2.00% APY* on balances up to $25,000
  • Earn 2.00% to 0.60% APY on balances over $25,000 depending on balance in account*
  • Earn 0.02% APY* if qualifications aren't met
  • No minimum balance to earn rewards 

Rewards

  • Earn 2.00% cash back on debit card purchases if qualifications are met
  • No category restrictions on purchases
  • Cash back earned on up to $300 in purchases monthly
  • Earn up to $6 cash back per month
  • No minimum balance to earn rewards

Monthly Service fee - $0 Monthly Service fee - $0

Monthly Service fee - $0 Monthly Service fee - $0

Free ATMs?

  • Earn refunds on ATM fees, nationwide (up to $4.99 per single transaction/$20.00 per month)*

Free ATMs?

  • Earn refunds on ATM fees, nationwide (up to $4.99 per single transaction/$20.00 per month)*

Free online and mobile banking with bill pay?

  • YES

Free online and mobile banking with bill pay?

  • YES

Free MasterCard debit card with approval?

  • YES

Free MasterCard debit card with approval?

  • YES 

Minimum Opening Deposit

  • $25

Minimum Opening Deposit

  • $25

 

Here's how to earn your Kasasa rewards

Just do the following simple transactions and activities (we call them qualifications) within your free Kasasa Cash or Kasasa Cash Back checking account during each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 automatic payment (ACH) or 1 direct deposit (ACH) post and settle
  • Be enrolled in and agree to receive e-Statements
  • Be enrolled in and log into online banking or mobile banking

Plus, there are no additional qualifications to earn a higher Kasasa Saver rate. Just meet your Kasasa Cash or Kasasa Cash Back qualification and get a higher rate on your savings, too!

 Learn more about the Kasasa Saver.

Make Saving Effortless

 

Other Checking Accounts

Heritage Gold Senior Checking

Designed for seniors age 50 and over who want more than a regular checking account. The account earns interest on a tiered basis.

  • No monthly service charge
  • Unlimited check writing
  • Heritage Bank & Trust stock check at no charge
  • Check Card with approval
  • Online & Mobile Banking with Bill Pay, Mobile Deposit
  • Bank by phone
  • No annual fee MasterCard with approval
  • 30 % discount on safe deposit box rentals
  • .15% bump on CDs
  • E-Statement with check images
  • No fee ATM  transactions, worldwide
  • Tiered Interest Accounts
    • Under $2,499
    • $2,500 - $9,999
    • $10,000-$24,999
    • Over $25,000

Scholars Checking

The account especially designed for students allowing them to learn to manage their money with no monthly fee.

  • No monthly service charge
  • Must have a parent or guardian sign if under 18
  • Must have proof of being a full time student
  • Minimum opening deposit of $25
  • Unlimited check writing
  • Check Card with approval
  • Online & Mobile Banking with Bill Pay
  • Bank by Phone
  • E-Statement with check images (*paper statements available with a $2.00/month fee)
  • No fee ATM transactions, worldwide.

Legacy Relationship Checking Account

The Ultimate in checking accounts! The Legacy account earns extra interest on CDs and discounts on loans and Safe Deposit Boxes along with Cashiers checks.

  • Monthly fee of $12; none if $2,000 minimum or $20,000 in combined deposit, consumer and in-house mortgage loan balances
  • Unlimited check writing
  • Heritage Bank & Trust checks at no charge
  • Check card with approval
  • Overdraft protection with approval
  • Online & Mobile Banking with Bill Pay
  • Bank by Phone
  • .25% increase on CD’s
  • .25% decrease on consumer installment loans
  • Plus an extra .25% decrease on consumer installment loans for an automatic debit
  • 30% discount on Safe Deposit Box rentals
  • No issue fee on Cashiers Checks
  • No annual fee VISA/MasterCard with approval
  • E-Statement with check images
  • No fee ATM transactions, worldwide.
  • Interest rate tiers
    • Under $1,000
    • $1,000 -$9,999
    • $10,000-$24,999
    • Over $25,000

Basic Checking

An account for those who want the basics.

  • No monthly service charge
  • Minimum opening deposit of $25
  • No minimum balance
  • Unlimited check writing
  • Check card with approval
  • Overdraft Protection with approval
  • Online & Mobile Banking with Bill Pay, Mobile Deposit
  • Bank by Phone
  • No annual fee on MasterCard with approval
  • No fee ATM transactions, worldwide
  • Standard e-statements (*paper statements available with a $2.00/month fee

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards:  ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $25,000 receive APY** of 2.00%; and balances over $25,000 earn 0.25% interest rate on the portion of balance over $25,000, resulting in a range from 2.00% to 0.60% APY depending on the account’s balance and (2) you will receive reimbursements up to $20.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. When Kasasa Cash qualifications are not met, all balances in the account earn 0.02% APY and ATM fees are not refunded.  Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. **APY = Annual Percentage Yield. APYs accurate as of 03/15/2017.  Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.  A $25.00 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons) may be required to meet some of the account’s qualifications. Limit 1 account per social security number.  There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

 

**Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards:  ATM-processed transactions, transfers between accounts,  debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 2.00% cash back on up to a total of $300.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $6.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to $20.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of current statement cycle. Rates and rewards are variable and may change after account is opened.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.  A $25.00 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons) may be required to meet some of the account’s qualifications. Limit 1 account per social security number.  There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

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