Earn More on Your Money with Free Checking
Looking for a high-interest checking account that lets you earn rewards without fees? Qualified FVSBank’s Kasasa® Cash Checking pays you a high APY on your balances, up to $15,000 – plus you get nationwide ATM refunds*.
📍Proudly serving customers in Fond du Lac, Oshkosh, Waupun, and the Fox Valley area, FVSBank is your trusted Wisconsin community bank.
Benefits of Kasasa® Cash Checking
💰 Earn up to 5.00% APY on balances up to $14,999* on qualified accounts
- 5.00% APY to 0.50% APY* on balances over $15,000 and up**
- 0.05% APY* if qualifications aren’t met
🏧 Unlimited nationwide ATM fee refunds (up to $15 per qualified cycle)
How to Qualify for Monthly Cash
✔️ Make at least 12 debit card purchases
✔️ Enroll in eStatements
✔️ Log into online or mobile banking at least once
Don’t meet the qualifications one month? No problem—you’ll still earn a base interest rate and can try again next cycle!
Why Choose Kasasa® Cash Checking at FVSBank?
✔️ 100% Free Checking – No hidden fees, no monthly charges
✔️ Earn High Interest – Up to 5.00% APY on qualified balances*
✔️ ATM Fee Refunds – Use any ATM and get reimbursed*
✔️ Easy to Qualify – Just use your debit card, enroll in eStatements, and log into digital banking
✔️ Local, Personalized Service – Bank with a Wisconsin-based community bank that puts you first
Open Your Kasasa® Cash Checking Account Today!
🚀 Getting started is simple:
✅ Step 1: Complete our quick and secure online application
✅ Step 2: A local banker will contact you within one business day
✅ Step 3: Start earning high interest and enjoying fee-free checking
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 if 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 |
*Kasasa Cash rewards and ATM refunds apply only when monthly qualifications are met. See full account disclosures for details.
**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 a monthly qualification period beginning one (one) banking day prior to the first day of teh 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.