Kasasa Cash

Get a whole lot more for a whole lot less…in fact, for nothing. Free, high dividend Kasasa Cash® checking empowers your banking by paying you rewards that really matter — like really high dividends and nationwide ATM fee refunds up to $25 — for instance.

Do more for your dreams with rates as high as 3.00% APY*. Plus, any ATM becomes your ATM thanks to the unlimited refunds of fees incurred not just around Southern Maine, but nationwide*! Keep your money where it belongs — with you, making more of it. Sign up for free, innovative Kasasa Cash today!

  • 3.00% APY* on balances up to $10,000
  • 3.00% to 0.73% APY on balances over $10,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • Unlimited ATM fee refunds nationwide* (up to $25)
  • Can link to high-interest Kasasa Saver® account
  • No minimum balance to earn rewards
  • No monthly service fee
  • Unlimited transactions
  • Free online banking & bill pay
  • Free mobile banking
  • Free eStatements
  • Free Visa® debit card
  • No minimum deposit to open

How Does Kasasa® Work?

Simple things like using your debit card and receiving eStatements save you time and make life easier. Those small changes also help save us some money. We can then pump that money back into the community — and to pay you rewards!


Qualifying for rewards is easy — so easy, in fact, you're probably already doing it! To earn your rewards, simply do the following activities in your Kasasa Cash account during the monthly qualification cycle.

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 automatic payment (ACH) post and settle, 1 direct deposit, or 1 bill pay transaction post and settle
  • Be enrolled and receive eStatement notice

That's it. If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base dividend rate. Plus, you can get back to earning major dividends and nationwide ATM fee refunds the very next month.

*APY=Annual Percentage Yield. APYs accurate as of 1/1/2019. Rates may change after account is opened. Qualifying transactions must post to and settle Kasasa Cash account during Monthly Qualification Cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 3.00%; and (3) balances over $10,000 earn 0.50% dividend rate on the portion of the balance over $10,000, resulting in 3.00% - 0.73% APY depending on the balance. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. If qualifications are not met on Kasasa Cash, all balances earn 0.05% APY, however no ATM refunds will be paid. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Have at least one (1) Direct Deposit, ACH Credit or ACH payment transaction in your Kasasa account, a minimum of 12 POS debit card transactions, and receipt of electronic statements are conditions to qualify for the Cash reward each cycle period. The advertised Kasasa Cash APY is based on compounding dividends. Dividends earned in Kasasa Cash are automatically transferred to Kasasa Saver each statement cycle and do not compound. Actual dividend amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. Limit one account per SSN. Federally Insured by NCUA.