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Free Kasasa Cash

It's free checking that pays you in ways that matter — earn high yields plus ATM fee refunds* nationwide. Don't just bank. Kasasa®.

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Free Kasasa Cash

This fabulous free checking account helps you keep more of your money by paying you a very high interest rate and refunding your ATM fees nationwide* every month. And you don’t have to swim across Hillsborough Bay to qualify. Just do some simple banking basics that will save you time and money!

Plus, you can link your free Kasasa Cash® to a free Kasasa Saver® account to receive automatic deposits of your Kasasa Cash rewards every month.

  • 0.25% APY* on balances up to $5,000 
  • 0.04% on balances $5,000.01 and over
  • 0.25% APY* to 0.05% APY* on balances up to $5,000 plus $100,000
  • 0.01% APY* if monthly qualifications are not met
  • Nationwide ATM fee refunds*
  • No minimum balance to earn rewards
  • No monthly service charge 
  • Unlimited check writing
  • Link to Kasasa Saver® for automatic savings
  • Free online banking & bill pay
  • Free mobile banking
  • Free eStatements
  • Free MasterCard® debit card

Getting your rewards is easy!

It's so easy to qualify for rewards that you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your free Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle 
  • Enroll and receive eStatement notice

That's it! And even if you don't qualify, there's still no monthly service fee and you still earn interest at the base rate. Plus, you can get back to earning the huge rewards the very next monthly qualification cycle!

*APY = Annual Percentage Yield. APYs accurate as of September 30, 2021, and are subject to change without notice. To earn the rewards, the Kasasa Cash qualifiers for each monthly cycle include: at least one monthly Direct Deposit or automatic debit, 12 debit card transactions, and receipt of eStatements. When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s):  Kasasa Cash: 1) ATM refunds. 2) Balances up to $5,000 in Kasasa Cash will receive 0.25% APY; balances $5,000.01 and over in Kasasa Cash will earn 0.04%, resulting in a range from 0.25% - 0.05% APY on balances over $5,000. Blended yield is based on balances up to $5,000 plus $100,000. If linked to Kasasa Saver: 1) ATM refunds for Kasasa Cash will post directly to Kasasa Saver and 2) Balances up to $5,000 in Kasasa Saver will receive 0.10% APY; and balances over $5,000 in Kasasa Saver will earn 0.04%, resulting in a range from 0.10% to 0.04% APY on balances up to $100,000. For Kasasa Cash, dividends and ATM refunds will post to your Kasasa Cash account on the last day of the statement cycle. If Kasasa Cash is linked to Kasasa Saver, dividends will post to your Kasasa Cash and then automatically transfer to your Kasasa Saver account, and ATM refunds will post directly to your Kasasa Saver account. A Kasasa Cash account is required to have a Kasasa Saver account. When Kasasa Cash qualifications are not met, Kasasa Cash: All balances earn 0.01% APY*; Kasasa Saver: All balances earn 0.01% APY. When linked to the Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since they are automatically transferred to the Kasasa Saver account. 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. 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. The rewards are variable and may change after account is opened. Fees may reduce earnings. Account approval, conditions, qualifications, limits, and other requirements apply. 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 Floridacentral Credit Union as ATM transactions, and purchases made with non-Floridacentral issued debit cards. Minimum deposit required to open the account. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. There is no minimum balance requirement. Restrictions apply on discretionary Overdraft Privilege. Contact a Floridacentral Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA.