Kasasa Cash Plus: 5.25% APY Rewards Checking

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Kasasa Cash Plus Checking, High-Interest, High Value!

Key facts:

5.25% APY* on balances up to $20,000; 0.50% APY on the portion over $20,000
0.01% APY* if monthly qualifications aren't met (account stays free either way)
Nationwide ATM fee refunds up to $20/month
No monthly maintenance fees, free debit card, free online and mobile banking
$100 minimum deposit to open

How to qualify each month:

At least 25 debit card purchases of $3.99 or more
At least 2 direct deposits or ACH payments
Log in to digital banking at least once per statement cycle

*APY = Annual Percentage Yield. Rates accurate as of account terms on file; rates and rewards are variable and may change. Fees may reduce earnings.

Why Choose Kasasa Cash Plus?

Qualification Requirements

💰 high interest

Earn a competitive 5.25% APY* on balances up to $20,000.

For balances over $20,000, you still earn 0.50% APY on the excess. If monthly qualifications aren't met, you’ll still earn a base rate of 0.01% APY

*Annual Percentage Yield

🚫 Fees

No monthly maintenance fees — enjoy all the perks, fee‑free

💳 ATM refunds

Nationwide ATM fee refunds up to $20 per month, saving you wherever you go

📱 digital tools

Convenient account tools included: free debit card, online & mobile banking, unlimited bill pay, eStatements, and an instant‑issue debit card (upon approval)

How It Works: Simple Activities, Big Rewards

To unlock the full benefits each month, just complete the following during your Monthly Qualification Cycle:

At least 25 debit card purchases (minimum $3.99 each)
At least 2 direct deposit or ACH payments
Log in to digital banking at least once a statement cycle

Miss a qualification one month? The account remains fee‑free, still earns interest (at a lower rate), and you're only one cycle away from reinstating full rewards!

Qualification Requirements

Get a head start on meeting your qualifications with our Switch Kit!

Why Customers Love It

Unbeatable APY: 5.25% on up to $20K puts this checking account in a high-yield class of its own.
ATM Freedom: Nationwide ATM fee refunds give you peace of mind.
Everyday Simplicity: Earn rewards just by banking like you normally would.
Total Transparency: No monthly fees, clear qualification rules—you know exactly what you're getting.
- Fees may reduce earnings
No Minimum Balance Requirement: No minimum balance requirement to earn rewards

Interested in Getting Started?

Open an account online today in seconds, contact us in the form below, or stop by your nearest CS Bank office!

Helpful Calculators

Get Started Today!

What makes Kasasa Cash Plus a high interest checking account?

Kasasa Cash Plus pays up to 5.25% APY* on qualifying balances up to $20,000, which is well above a standard checking account rate, with no monthly fee required to earn it.

What happens if I miss a qualification one month?

Nothing bad — the account stays free, still earns a base rate of 0.01% APY, and you can requalify for full rewards the very next statement cycle.

Is Kasasa Cash Plus available at other banks?

No. Kasasa Cash Plus is only available at CS Bank.

Kasasa Cash Plus Checking

Earn high interest and refunds on your ATM fees* with free Kasasa Cash Plus® checking — just for doing banking basics that you’re probably already doing! The best part is that there’s never a monthly service fee to worry about. It’s our way of thanking you for banking with us!

5.25% APY* on balances up to $20,000
5.25% to 0.50% APY on balances over $20,000 depending on balance in account*
0.01% APY* if qualifications aren't met
Refunds on ATM fees, nationwide (up to $20 monthly)*
Can link to high-interest Kasasa Saver® account
NO Monthly Service Fees
FREE Online & Mobile Banking
FREE Unlimited Bill Pay
FREE eStatement
FREE Instant Issue Debit Card (upon approval)
$100 minimum deposit to open

It’s Easy to Qualify For Rewards
Just have the following transactions & activities post and settle to your free Kasasa Cash account each monthly qualification cycle:

At least 25 debit card purchases (minimum purchase amount of $3.99)
At least 2 direct deposits or automatic payments (ACH)
Be enrolled & log into digital banking

That’s it. Even if you don’t qualify one month, don’t worry — your account is still free and you’ll still earn our base interest rate. Plus, you can get right back to earning your full rewards the very next month!

*Qualifications Information: Account transactions and activities may take one or more Business 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, purchases made with non-CS Bank issued debit cards. “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.

Reward Information: When your Kasasa Cash Plus account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $20,000 receive APY of 5.25%; and balances over $20,000 earn 0.50% interest rate on the portion of balance over $20,000, resulting in a range from 5.25% to 0.50% APY depending on the account’s balance and (2) you will receive reimbursements up to $20 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified.

When Kasasa Cash Plus qualifications are not met, all balances in the account earn 0.01% APY and ATM fees are not refunded. Interest and ATM fee reimbursements will be credited to your Kasasa Cash Plus account on the last day of statement cycle. APY = Annual Percentage Yield. APYs accurate as of 5/18/2023. 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. $100 minimum deposit is required to open the account. Monthly receipt of electronic statements is a condition of this account. You may request to receive paper statements for $5 monthly or $7.50 monthly for combined Kasasa Cash Plus & Kasasa Saver Accounts. Enrollment in electronic services (e.g. online banking) and log-ons may be required to meet some of the account’s qualifications. Limit one Reward or Kasasa checking account per social security number. Account available to residents of CS Bank's market area only. There are no recurring monthly service charges or fees to open or close this account. Contact a CS Bank service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa & Kasasa Cash Plus are trademarks of BancVue, Ltd., registered in the U.S.A.

Kasasa Cash Plus: A High Interest Checking Account