Free Kasasa Cash Back Checking

Shop without guilt when you earn cash back on debit card purchases!

Everyday spending leads to not-so-everyday rewards with free Kasasa Cash Back® checking. There’s no monthly service fee, and you’ll get up to $7.50 in cash back on debit card purchases just for doing a few banking basics.* We’re talking about things like logging into free online banking — it’s really that easy! The rewards keep coming with fee refunds from any ATM in the country.*

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  • Free checking that pays you back
  • 3% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $250 in purchases monthly
    • Earn up to $7.50 cash back per month
  • Refunds on ATM fees, nationwide (up to $12.50 monthly)*
  • Can link to high-interest Kasasa Saver® account
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking with bill pay
  • Free e-Statements
  • Free mobile banking
  • Free MasterCard® debit card
  • Unlimited check writing
  • FDIC insured
  • $50 minimum deposit to open

So Easy to Earn Rewards — You’re Probably Already Doing It!

To earn your rewards, just do the following transactions and activities in your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled in and agree to receive e-Statements
  • Be enrolled and log into online banking

Simple! Even if you don’t meet your qualifications during the cycle, your Kasasa Cash Back account is still free. And you can get right back to earning your cash rewards the very next month!

Monthly Qualification Dates

Qualification Dates for 2017

(Your monthly qualifications must be met by this day in order to receive your rewards.) 

  • 12/09/2016
  • 01/09/2017
  • 02/09/2017
  • 03/09/2017
  • 04/10/2017
  • 05/09/2017
  • 06/09/2017
  • 07/10/2017
  • 08/09/2017
  • 09/11/2017
  • 10/09/2017
  • 11/09/2017
  • 12/11/2017

Statement Cycle End Dates 2017

  • 12/12/2016
  • 01/10/2017
  • 02/10/2017
  • 03/10/2017
  • 04/11/2017
  • 05/10/2017
  • 06/12/2017
  • 07/11/2017
  • 08/10/2017
  • 09/12/2017
  • 10/10/2017
  • 11/10/2017
  • 12/12/2017

*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 St. Martin Bank as ATM transactions and purchases made with non-St. Martin 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. When your Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s): (1) Kasasa Cash Back: 3.00% cash back on up to a total of $250.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back may be earned per Monthly Qualification Cycle ; (2) Kasasa Saver: Balances up to $50,000 receive APY of 1.01% and balances over $50,000 earn 0.25% interest rate on the portion of balance over $50,000, resulting in a range from1.01% to 0.50% APY depending on the account's balance. (3) ATM Fee Reimbursements: In addition, you will receive reimbursements up to $12.50 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Cash Back qualifications are not met, no cash back payments are made, ATM fees are not refunded and all balances in Kasasa Saver account earn 0.05% APY. Cash back payments and ATM fee reimbursements from your linked Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the statement cycle. APY = Annual Percentage Yield. APYs accurate as of 6/23/2015. APY calculations are based on an assumed total account balance of the cap plus $100,000. Kasasa Saver cap effective as of 10/13/2015. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. Enrollment in online banking, monthly receipt of electronic statements and 10 Debit Card transactions posted and settled are conditions of the Kasasa Cash Back account. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account's qualifications. Limit 1 account per social security number. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open this account. If the account remains at a zero balance for more than five business days, it will automatically close. For additional fees that may affect this account, see the standard fee schedule disclosed separately. Contact a St. Martin Bank service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Kasasa, Kasasa Cash, and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A.Member FDIC