Are you looking to earn interest on your checking account balance? This account starts at free* and only gets better — benefit from rewards and refunds on ATM withdrawal fees, nationwide*. We are a full-service bank offering personal checking accounts and other financial services in Fond du Lac, Oshkosh, Waupun, and the Fox Valley area.
What To Know About Kasasa Cash Checking
Wondering if this free checking account is right for you? Check out the complete list of details:
- Checking that pays high interest
- 5.00% APY* on balances up to $15,000
- 5.00% to 0.50% APY* on balances over $15,000 depending on the balance in the account**
- 0.05% APY* if qualifications aren’t met
- Refunds on ATM withdrawal fees, nationwide (up to $15 per qualification cycle)**
- Link to Kasasa Saver® to build savings automatically
- No minimum balance to earn rewards
- No monthly maintenance fees
- Includes digital banking services:
- Online banking & bill pay
- Mobile banking with mobile deposit
- eStatements
- EMV debit card
- $50 minimum deposit to open
- Overdraft Privilege
It’s Easy to Earn Your Rewards!
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
That’s it. Even if you don’t meet your qualifications during the cycle, your Kasasa Cash account has no monthly maintenance fee. Plus, you’ll still earn our base interest rate. And you can get right back to earning your full rewards the very next month!
Not sure which personal checking account is right for you? Compare our three account options.
What is Kasasa Checking?
Kasasa Checking accounts are offered exclusively by community banks. These rewards checking accounts have no monthly maintenance fee to open and don’t carry a statement cycle fee. Kasasa Cash rewards you with a high annual percentage yield on your balance. Make your money work harder for you to save towards a goal, enjoy a small treat, or whatever else you prioritize. Link your Kasasa Checking account to Kasasa Saver for automatic transfers of your cash earnings.
Open A Kasasa Cash Checking Account Online
Complete our online form for a new personal account opening. One of our bankers will be in touch within one business day to help you complete the process. When you open a new checking account with FVSBank, you’ll be able to manage your account from anywhere with Digital Banking. Schedule funds transfers, pay bills, and view account balances and history. Don’t forget to link your Kasasa Checking account to Kasasa Saver. Questions? Visit your nearest location in Wisconsin or contact us.
View Rates
Kasasa Cash
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
Balance
0- $15,000
| Minimum Opening Deposit
$50
| Rate
4.889%
| APY
5.00%
|
Balance
$15,000+
| Minimum Opening Deposit
$50
| Rate
0.499%
| APY
5.00% to 0.50%
|
Balance
All balances is qualifications not met
| Minimum Opening Deposit
$50
| Rate
0.05%
| APY
0.05%
|
Please Note:
- For qualification, all debit card transactions and online banking access must post and settle to your account within the qualification cycle to receive the highest rate of interest and ATM fee refunds.
- Transactions may take one or more business days to post and settle to an account after the date of the transaction.
- ATM transactions are not qualifying debit card transactions.
*APY = Annual Percentage Yield. ATM fee refunds are up to $15.00 per qualifying monthly cycle.
Disclaimers:
*APY=Annual Percentage Yield
**Qualification disclaimers & reward 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 Qualification Cycle in order to qualify for the account’s rewards.
- “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.
- You will receive ATM reimbursements up to an aggregate total of $15.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that 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
- NOTE: ATM fee reimbursements only apply to Kassa Cash, Kasasa Cash Back or Kasasa Tunes transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.
- When your Kasasa Cash account qualifications are not met, no reward payments are made, and ATM withdrawal fees are not refunded.
- Reward payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle.
- Rates, rewards, and bonuses, if any, are variable and may change after the account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.
- Advertised information and rewards are based on all account qualifications being met during each cycle period.
2025 Qualification Cycle
2025 Qualification Cycle
| Qualification Cycle Begins On | Qualification Cycle Ends on | |
|---|---|---|
January | Qualification Cycle Begins On December 31, 2024 | Qualification Cycle Ends on January 30, 2025 |
February | Qualification Cycle Begins On January 31, 2025 | Qualification Cycle Ends on February 27, 2025 |
March | Qualification Cycle Begins On February 28, 2025 | Qualification Cycle Ends on March 28, 2025 |
April | Qualification Cycle Begins On March 29, 2025 | Qualification Cycle Ends on April 29, 2025 |
May | Qualification Cycle Begins On April 30, 2025 | Qualification Cycle Ends on May 29, 2025 |
June | Qualification Cycle Begins On May 30, 2025 | Qualification Cycle Ends on June 27, 2025 |
July | Qualification Cycle Begins On June 28, 2025 | Qualification Cycle Ends on July 29, 2025 |
August | Qualification Cycle Begins On July 30, 2025 | Qualification Cycle Ends on August 28, 2025 |
September | Qualification Cycle Begins On August 29, 2025 | Qualification Cycle Ends on September 29, 2025 |
October | Qualification Cycle Begins On September 30, 2025 | Qualification Cycle Ends on October 30, 2025 |
November | Qualification Cycle Begins On October 31, 2025 | Qualification Cycle Ends on November 26, 2025 |
December | Qualification Cycle Begins On November 27, 2025 | Qualification Cycle Ends on December 30, 2025 |