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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.




  • 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


How to Qualify

Earning your full rewards 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

That’s it! And if for some reason you don’t earn your rewards one month, don’t worry. Your account is still free. 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.

Information is accurate as of August 2, 2021.

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

*Minimum deposit to open Kasasa Cash Back is $25. 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.

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 Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, 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 Back 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.

When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded..

When Kasasa Cash Back account is linked to a Kasasa Saver account: When linked to the Kasasa Saver account, cash back rewards and ATM fee reimbursements will be automatically credited to the Kasasa Saver account on the last day of the current 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.


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