Kasasa Cash Back

Kasasa Cash Back

Get cash back with this free checking account that also refunds your ATM fees nationwide.*


Get back to a more natural state, where checking is free. Kasasa Cash Back® takes free checking up a notch. Get paid cash back on everyday debit card purchases (not just groceries or gas). And there is no minimum balance to maintain or monthly fee to pay. Just cash in your pocket.

We'll also refund your ATM fees nationwide.* So whether you're in Little Rock or Plymouth Rock, you can find a surcharge-free ATM.

Things You Must Do (That Make Banking Easier Anyway)

While there isn't a minimum balance to keep or points to collect, there are a few things you must do to earn your full rewards. (You're probably doing most, if not all, of these things already). To earn your rewards, simply do the following activities and transactions in your Kasasa Cash Back account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and log into online banking
  • Be enrolled and receive e-statement notice
  • Have at least 1 direct deposit or 1 ACH auto debit post and settle

That covers it. And if you don't qualify one month, no worries. Your account is still free. You can get back to earning your full rewards the very next monthly qualification cycle.

Seed by Farmers Bank

Our Seed by Farmers Bank personal finance manager makes it easy to stay in control of your banking. Use our budget generator to know when you're getting off track -- or doing well. Meet your financial goals with this great tool! 

  • Online money management tool with mobile access
  • Panoramic view of all your Farmers Bank accounts
  • Aggregates accounts and transactions in one place for a more complete financial picture
  • Track expenses
  • Create budgets
  • Confidential and secure
  • Access Seed by Farmers Bank

APY=Annual Percentage Yield. To obtain the annual percentage yield (APY), you must maintain a minimum balance of .01 in the account each day. Rates may change after account is opened. Minimum to open is $100 for Kasasa Cash Back and $25 for Kasasa Saver. When monthly qualifications are met, you will receive 2.25% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $6.75 per monthly qualification cycle. Domestic ATM fees incurred using Kasasa Cash Back debit card during qualification cycle will be reimbursed up to $4.99 per single transaction if qualifications are met within monthly qualification cycle. Qualifying transactions must post to and settle account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Kasasa Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. If qualifications in Kasasa Cash Back are met each monthly qualification cycle: (1) balances up to $10,000 in Kasasa Saver receive an APY of 0.50%; and (2) balances over $10,000 in Kasasa Saver earn 0.15% interest rate on the portion of the balance over $10,000, resulting in 0.50% - 0.18% APY depending on the balance. If qualifications are not met on Kasasa CashBack, all balances in the Kasasa Saver earn 0.05% APY. Limit one account per SSN.