Rate Information: This Account is an interest bearing account. If the daily balance is less than $50,000.01, the interest rate paid on that portion of the balance will be 1.24%. The annual percentage yield for this tier will be 1.25%. If the daily balance is more than $50,000.00 the interest rate paid on that portion of the balance will be 0.25%. The annual percentage yield for this tier will range from 1.25% to 0.26%. Annual Percentage Yield accurate as of 9/2/2025. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily.
The Kasasa Saver rates are in effect when the qualifications are met in the linked Kasasa Cash Plus or Kasasa Cash Back account during the monthly qualification cycle. When Kasasa Cash Plus or Kasasa Cash Back qualifications are not met, ATM withdrawal fees are not refunded and the interest rate earned on the entire daily balance in the account will be .01% resulting in an APY of .01%;
Qualification Information:
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle during each Monthly Qualification Cycle:
* At least 2 direct deposit, ACH credit, or ACH payment transaction(s)
* At least 25 PIN-based or signature-based debit card purchases, each $3.99 or more
* Be enrolled in and log into online banking
* At least 15 debit card purchases
* At least 2 direct deposit, ACH credit, or ACH payment transaction(s)
* Be enrolled & log into online banking
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, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
You will receive reimbursements up to an aggregate total of $20 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Plus or Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.
Interest and ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. If you close your account before the interest is credited, you will not receive the accrued interest.
No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Monthly Direct Deposit/ACH credit, enrollment in online banking, and e-statements are conditions of this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one (1) Kasasa or Rewards account per social security number. A paper statement will be mailed upon request or failure to enroll in e-statements and a monthly statement charge will apply.
Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
Limitations: You must deposit $100.00 to open this account.
Purpose and Expected Use of Account
This account is intended to be the accountholder's primary checking account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled. Commensurate with the spending activities identified above, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. CS Bank reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. A CS Bank check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your account, any optional add-on products / services associated with this account will also be terminated at the same time. You must have a Kasasa Cash Plus or Kasasa Cash Back account in order to open a Kasasa Saver account, and the Kasasa Cash Plus or Kasasa Cash Back account must remain open throughout the period that you hold the Kasasa Saver account. In the event that you or we close your Kasasa Cash Plus or Kasasa Cash Back account, your Kasasa Saver account will be closed as well. This account is not to be used for commercial purposes. You must maintain residency in CS Bank's market area to be eligible for this account. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
Account Fees: The following fee applies to this account: Combined Paper Statement Fee: $7.50.
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