Finally, an easier way to save! Link this free account to your Kasasa Cash® account and put your savings on autopilot, automatically earning high interest.
Key Features
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Free Digital Banking
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Syncs to Kasasa Cash®
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Earns Interest
Free Digital Banking
Syncs to Kasasa Cash®
Earns Interest
- $100 minimum deposit to open
- Pays high interest and builds your savings effortlessly
- No monthly service fee
- No minimum balance to earn rewards
- 1.00% APY* on balances as much as $25,000
- 1.00% to 0.32% APY* on balances over $25,000 depending on balance in account*
- 0.05% APY* on all balances if qualifications aren't met
- Links to Kasasa Cash® to build savings automatically
- Automatic transfers of Kasasa Cash® earnings and reimbursements to Kasasa Saver®
- Free digital banking, including:
- Bill Pay
- Mobile Banking (wireless carrier data rates may apply)
- Mobile Deposit
- eStatements
Qualification to Earn the Higher Rate.
Qualifying for your Kasasa Cash® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH credit, or ACH payment transaction
- At least 10 debit card purchases**
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into digital banking
And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
Want to know more about Kasasa®? Check out the Kasasa story!
Qualification Information:
**Account transactions and activities may take one or more days to post and settle to the account, and all must do so during the Monthly Qualification Cycle 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 our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
"Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the last business day of the current statement cycle.
"Business Day" means a calendar day other than a Saturday or a Sunday, excluding Federal Reserve holidays or other days that the banks are legally closed.
"Statement Cycle" means the period for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account.
Reward Information:
*When your linked Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000.00 in your Kasasa Saver account earn an interest rate of 1.00% resulting in an APY of 1.00%; and daily balances over $25,000.00 earn an interest rate of 0.15% on the portion of the daily balance over $25,000.00, resulting in a range from 1.00% to 0.32% APY depending on the account's daily balance.
When your linked Kasasa Cash account qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05%.
Interest will be credited to your Kasasa Saver account on the last day of the current statement cycle.
*APY = Annual Percentage Yield.
APY is accurate as of 09/16/2025.
APY calculations are based on an assumed balance of $25,000.00 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.
Rates, rewards, and bonuses, if any, are variable and may change after an account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards of less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
$100.00 minimum deposit to open.
This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.
A Kasasa Cash account is required to have a Kasasa Saver account.
A linked Kasasa Saver account is required for automatic savings.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact a Personal Banker at (618) 997-4341 for more information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Member FDIC.
Trademarks:
Kasasa, Kasasa Cash, and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.