Effective: 3/1/2024

Kasasa Cash® Checking

Kasasa Cash® checking pays…

When qualifications are met (1)

  • An interest rate of 5.76% and an APY* of 6.00% will be paid on the portion of your daily balance that is less than or equal to $15,000.
  • 0.02% APY* even if you don’t qualify
  • Plus, refunds on ATM fees, nationwide**

(1) Monthly Qualifications
Just do the following activities and transactions in your Kasasa Cash® checking account each Monthly Qualification Cycle:

  • Have at least 12 qualifying debit card purchases post and settle***
  • Have at least 1 automatic payment ACH or bill pay
  • Be enrolled in and receive electronic statements
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Contact your local branch to open a Kasasa account.

Don’t worry if you come up short.

You can still earn a higher rate and refunds on ATM fees the very next cycle.

* APY= Annual Percentage Yield. Kasasa Cash® is a variable rate consumer checking account and rates may change after account is opened at any time. When your Kasasa Cash account qualifications are met (see above) during a Monthly Qualification Cycle, (1) balances up to $15,000 receive APY of 6.00% and the portion of the balance over $15,000 earn 0.25% interest rate, resulting in a range from 6.00% to 0.48% APY depending on the account’s balance. When Kasasa® qualifications are not met, all balances in the account earn 0.02% APY and ATM fees will not be reimbursed. $50 minimum deposit to open the account. Fees may reduce earnings.

** ATM fee reimbursements: You will receive reimbursements up to $25 monthly ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you met your Kasasa Cash® qualifications (see above).

*** Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle may not qualify. Transactions and activities may take one (1) or more Business Day(s) from the date the transaction or activity occurred to post and settle to the account. The following activities do not qualify: ATM-processed transactions and transfers between accounts. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction.

Kasasa Cash Back® Checking

Kasasa Cash Back® is a non-interest-bearing consumer checking account that pays:

  • 2.00% cash back on debit card purchases*
  • Plus, refunds on ATM fees, nationwide**

It’s ideal for people who use their debit card and ATM card often. Just do the following activities and transactions in your Kasasa Cash Back® account each Monthly Qualification Cycle:

  • Have at least 12 qualifying debit card purchases post and settle***
  • Have at least 1 automatic payment ACH, or bill pay
  • Be enrolled in and receive electronic statements
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Contact your local branch to open a Kasasa account.

Again, don’t worry if you come up short.

There’s no penalty. Plus, you can still earn your cash back and refunds on ATM fees the very next cycle.

* Reward Information: When your Kasasa Cash Back® account qualifications are met (see above) during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s): (1) Kasasa Cash Back®: 2.00% cash back on qualifying debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle.

** ATM fee reimbursements: You will receive reimbursements up to $25 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you met your Kasasa Cash Back® requirements (see above). When Kasasa Cash Back® qualifications are not met, no cash back payments are made, ATM fees are not refunded. Rewards are variable and may change after account is opened. $50 minimum deposit is required to open the account.

*** Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle may not qualify) Transactions and activities may take one (1) or more Business Day(s) from the date the transaction or activity occurred to post and settle to the account. The following activities do qualify: ATM-processed transactions and transfers between accounts. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction.

Kasasa Saver

Once you open a Kasasa Cash® or Kasasa Cash Back® Account, you can also open a Kasasa Saver® Account with as little as $5.00 dollars. Ask your branch representative for further details.

When qualifications (1) are met in your Kasasa Cash or Kasasa Cash Back Checking you will receive:

Tier 1: An Interest Rate of 2.92% and an Annual Percentage Yield 3.00% will be paid on the portion of your daily balance that is less than or equal to $25,000.00.
Tier 2: The portion of your balance above that cap ($25,000.01) will earn 0.25% interest rate resulting in a range from 3.00% to 0.48% APY depending on the account’s balance.

(1) Monthly Qualifications= activities and transactions in your Kasasa Cash® or Kasasa Cash Bank checking account each Monthly Qualification Cycle:

  • Have at least 12 qualifying debit card purchases post and settle***
  • Have at least 1 automatic payment ACH or bill pay
  • Be enrolled in and receive electronic statements

APY= Annual Percentage Yield. Kasasa Saver ® is a variable rate consumer savings account and rates may change after account is opened at any time

When Kasasa Cash qualifications are not met,
Kasasa Saver: An interest rate of 0.02% and APY of 0.02% will be paid on the entire balance

Fees may reduce earnings.

Kasasa, Kasasa Cash, and Kasasa Saver are trademarks of Kasasa LTD, registered in the U.S.A.

Free Checking

  • NO minimum balance required
  • NO monthly service fee
  • Free ATM card
  • Free introductory check order
  • Statement and check images provided monthly
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Centennial Money Market Checking

  • This is a tiered variable rate account.
  • $1,000 minimum balance is required to open.
  • Interest is paid from day of deposit to day of withdrawal and is credited monthly.
  • Minimum check amount is $250.00.
  • New money only.
  • Visit Deposit Rates page for details.

NJ Consumer Checking

Minimum to open $1.00. Eight (8) checks may be written per statement cycle at no charge. Monthly maintenance fee of $3.00 per statement cycle. A fee of $.50 per check will be charged in excess of eight checks.