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What’s better than free checking?

Free checking that pays you 3% cash back
on everyday debit card purchases.*

We’ll also refund your ATM fees nationwide.*

Simply do a few things that make banking easier — and start earning cash back.



Kasasa Cash Back®

Sign up for checking that pays you (instead of the other way around).

  • Free checking that pays you back*
  • 3% cash back on everyday 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
  • Nationwide ATM fee refunds up to $20 per qualification cycle (maximum $4.99 per transaction)*
  • No monthly service charge
  • No minimum balance to earn rewards
  • Enjoy unlimited checking
  • Link to your Kasasa Saver® savings account for more benefits
  • Have your earned rewards from your free Kasasa Cash Back checking transferred to Kasasa Saver for automatic savings
  • Free account management services include:
  • $25 minimum deposit to open

Kasasa Saver®

Calculate Savings       Rates

Have your checking rewards transferred to Kasasa Saver® for savings you don’t have to think twice about.

  • Savings§ that pays high interest:
    • 0.50% APY* on balances up to $10,000
    • 0.25% interest rate on the portion of balance over $10,000*
    • 0.50 - 0.27% APY on balances over $10,000, depending on balance in account*
    • 0.05% APY if qualifications aren’t met*
  • No monthly service charge
  • No minimum balance requirement
  • Linked to your free Kasasa Cash Back® checking account
    • Have Kasasa Checking rewards transferred to Kasasa Saver for automatic savings
  • Free account management services include:
  • $25 minimum deposit to open



BAC Community Bank limits certain types of withdrawals and transfers from Savings accounts.§


How to Qualify for Monthly Rewards

Earning your full rewards in both you Kasasa Cash Back checking and linked Kasasa Saver is easy. All you have to do to qualify are a few simple tasks that make banking easier. To earn your rewards, simply do the following on your Kasasa Cash Back account each monthly qualification cycle:.

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and log in to online banking or mobile banking
  • Be enrolled in and agree to receive paperless statements 

When you meet your reward qualifications for your linked Kasasa Cash Back checking account, your Kasasa Saver will automatically reward you, too. There are no additional requirements

That’s it!

And if for some reason you don’t earn your rewards one month, don’t worry. There is no monthly maintenance fee for either your Kasasa Cash Back or Kasasa Saver and your Kasasa Saver will still earn our base interest rate. You can get back to earning your full rewards the very next month you qualify.



For more information:

All accounts subject to approval. Restrictions and limitations may apply.

Footnotes Specific to Kasasa Cash Back checking accounts and linked Kasasa Saver accounts at BAC Community Bank

*APY = Annual Percentage Yield. Information and APYs are accurate as of 8/2/2021. Minimum deposit to open Kasasa Cash Back account is $25 and minimum deposit to open a linked Kasasa Saver account is $25. Interest rates and rewards are variable. At any time and at the discretion of BAC Community Bank (BAC) rates, qualifications, and rewards may change after account is opened. Fees may reduce earnings. APY calculations are based on an assumed total account balance of $10,000 plus $100,000.

Sample Calculations: Sample calculations for rewards earned on Kasasa Saver are based on an assumed account balance of $10,000 + $100,000 and an assumed statement cycle of 31 days. Since any portion of an account balance over $10,000 earns a lower interest rate when qualifications are met, higher balance accounts may earn a lower compounded APY than the examples given.

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, debit card purchases processed by merchants and received by BAC as ATM transactions and purchases made with any debit card issued by someone other than BAC.

Business Day means any day Monday through Friday, provided that the weekday is not on a federal holiday. When a federal holiday falls on a Sunday, the next Monday is not a Business Day.

Statement Cycle means the period of time for which BAC provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. The Statement Cycle ends on the last business day of the month. The Statement Cycle begins on the first calendar day following the last business day of the month.

Monthly Qualification Cycle is a period ending one business day prior to the close of the current Statement Cycle with a new Monthly Qualification Cycle beginning the next calendar day. Please refer to our current Kasasa Monthly Qualification Calendar available through any branch or our web site at

Automatic Qualifications and Bonuses: A new customer who opens a Kasasa checking account for the first time may receive the standard rewards (Kasasa Cash or Kasasa Cash Back) or a bonus reward (Kasasa Tunes) once without meeting any of the requirements during the initial Monthly Qualification Cycle. This feature is only available to new Kasasa accountholders one time, one pay out, and will not be honored for accounts that convert between deposit products. The automatic qualifications and/or bonuses feature may be discontinued by BAC at any time.

Reward Information: When your Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle,

  • Kasasa Cash Back checking account:
    • You will receive 3.00% cash back on up to a total of $250.00 in debit card purchases that post and settle to the account during that Monthly Qualification Cycle up to a maximum cash back earned of $7.50, and

    • You will receive reimbursements up to $20 ($4.99 per single transaction) for nationwide ATM fees incurred when accessing your Kasasa Cash account funds during the Monthly Qualification Cycle in which you qualified. If you believe you have not been reimbursed the correct amount of ATM fees, you must contact us within 30 calendar days after the Statement Cycle where the reimbursement was applicable in order to receive a refund.

Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of statement cycle.

  • Kasasa Saver account:
    • Balances up to $10,000 receive APY of 0.50% (based on an interest rate of 0.50%); and balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000, resulting in a range from 0.50% to 0.27% APY depending on the account’s balance.

When Kasasa Cash Back qualifications are not met,

  • Kasasa Cash Back checking account:
    • No cash back payments are made and
    • ATM fees are not refunded.

  • Kasasa Saver account:
    • All balances earn 0.05% APY (based on an interest rate of 0.05%).

When Kasasa Cash Back account is linked to a Kasasa Saver account: When linked to a Kasasa Saver account, the reward earned within the Kasasa Cash Back account is automatically transferred to the Kasasa Saver account the day after being credited to your Kasasa Cash Back account.

This automatic transfer may cause an overdraft to your Kasasa Cash Back account, if the respective account’s balance is less than the transferred amount when transfer occurs.

Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a periodic rate to the principal in the account each day for the period. The period we use is the Statement Cycle.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Enrollment in electronic services (e.g. online banking, mobile banking, paperless statements) and log-ons are required to meet some of the account’s qualifications. Limit one account per taxpayer identification number. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close a Kasasa account. See our Personal Deposit Accounts Fees & Information Schedule for fees that may apply to this account. Contact a BAC service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.


When linked to Kasasa Saver, the reward posted to the Kasasa Cash Back account is automatically transferred into the Kasasa Saver account.

Service included at no charge. Customer may need to initiate use of the service by enrolling in or requesting the service.

§No more than 6 transfers or withdrawals of the following type are permitted during your monthly statement cycle:

  • Payments to third-parties such as checks, drafts, debit cards or similar transactions
  • Transfers by phone using our automated service or speaking with a banker on the phone
  • Transfers or payments through online, mobile and text banking (including Bill Pay and person to person payments)
  • Transfers to a checking account for Overdraft Protection
  • Pre-authorized transfers and withdrawals
  • Debit card purchases

There are no limits on transfers or withdrawals made in person at an ATM, Bank branch or on any type of deposit. If you regularly exceed 6 limited transactions during a statement cycle, BAC Community Bank may convert your savings or money market into a checking account or may close your account.