What's better than free checking? Free checking that pays you back your ATM fees on top of a peak 3.00% APY.* But don't expect a wicked uphill hike just to cash in.

Meet quick, easy qualifications each month to bring home your full rewards. There's no monthly service fee. There's no minimum balance to earn dividends. There's not even a minimum balance to open your Kasasa Cash account!

  • Earn 3% cash back on debit card purchases*
  • On purchases anywhere, no category restrictions
  • Earn cash back on your first $500 in purchases each month
  • Get paid back ATM fees, nationwide (up to $25 monthly)*
  • Plus, link Kasasa Cash to a Kasasa Saver account for free!
  • No minimum balance to earn rewards
  • No monthly service fee
  • No minimum balance to open
  • Free online banking & bill pay
  • Free eStatements
  • Free Visa® debit card
  • $25 minimum deposit to open

Penalty-Free Qualifications

Qualifying is so easy. Better yet, there's never a penalty fee if you come up short. To earn your rewards, simply do the following activities and transactions in your Kasasa Cash Back account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and log into online banking at least once
  • Be enrolled and receive e-statement notice
  • Have at least 1 automatic payment (ACH) post and settle

Yes, that's it. Even if you don't qualify, you still enjoy free checking. And you can get back to earning your full rewards the very next cycle.

Do you currently have an account with Freedom Institution?

*Minimum to open is $15. When monthly qualifications are met, you receive 3% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $15 per monthly qualification cycle. Qualifying transactions must post to and settle 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 day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($5 per single transaction) if qualifications are met within monthly qualification cycle.