Get paid for banking your way. Earn 2.05% APY* — plus up to $30 in refunds on ATM withdrawal fees, nationwide.*

Rates Calculator

Key Features

  • High Interest
  • ATM Withdrawal Fee Refunds*
  • No Monthly Maintenance Fees

Do you currently have an account with First State Bank?

  • Free checking that pays high interest
    • 2.05% APY* on balances up to $25,000
    • 2.05% to 0.61% APY on balances over $25,000 depending on balance in account*
    • 0.03% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $30)*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Add Kasasa Protect® for enhanced security
  • Free digital banking services, including:
    • Free online banking and bill pay
    • Free mobile banking with mobile deposit
    • Free eStatements
  • Free telephone banking
  • Free Mastercard® debit card
  • $1 minimum deposit to open

Earning Your Rewards Is Easy!

So easy, in fact, you're probably already doing it. Enrollments must be in place and all of 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

That’s it! And, if you don’t qualify this monthly qualification cycle, your account is still free. Plus, you’ll still earn the base interest rate for your account. Then, next month, you can get right back to earning your full rewards.

2020 & 2021 Qualification Cycles

  • 9.30.20 — 10.29.20
  • 10.30.20 — 11.27.20
  • 11.28.20 — 12.30.20
  • 12.31.20 — 1.28.21
  • 1.29.21 — 2.25.21
  • 2.26.21 — 3.30.21
  • 3.31.21 — 4.29.21
  • 4.30.21 — 5.27.21
  • 5.28.21 — 6.29.21
  • 6.30.21 — 7.29.21
  • 7.30.21 — 8.30.21
  • 8.3121 — 9.29.21
  • 9.30.21 — 10.28.21
  • 10.29.21 — 11.29.21
  • 11.30.21 — 12.30.21

Do you currently have an account with First State Bank?

*APY=Annual Percentage Yield. APYs accurate as of 02.04.20. Rates may change after account is opened. Minimum to open is $1.00. To receive rewards, have at least 10 debit card purchases (PIN or Signature based) post and settle, be enrolled to receive eStatements, and have at least 1 direct deposit or automatic payment (ACH) post and settle. If qualifications are met each qualification cycle: (1) Nationwide ATM fees incurred during qualification cycle will be reimbursed, up to $30.00 and credited to Kasasa Cash account on the last business day of the statement cycle: (2) balances up to $25,000 receive APY of 2.05%; and (3) balances over $25,000 earn 0.25% APY on the portion of the balance over $25,000, resulting in 2.05% - 0.61% APY depending on balance. This means if qualifications are met, the APY decreases as your balance increases above $25,000. If qualifications are not met in Kasasa Cash all balances earn 0.03% APY. Actual interest amount paid may be less than advertised Kasasa Cash APY. Qualifying transactions must post to and settle Kasasa Cash account during qualification cycle. Transactions may take one or more business days from the transaction date to post to and settle account. “Qualification Cycle” means a period beginning the last business day of the previous statement cycle through the business day prior to the last business day of the current statement cycle. “Qualification Cycle” is not the same as Monthly Statement Cycle. The advertised Kasasa Cash APY is based on compounding interest. The following activities do not count toward earning account rewards: transfers between accounts, Electronic checks, FSB Bank to Bank transfers, ATM withdrawals and credits to the account, via reimbursements to the account’s debit card. Nationwide ATM fee reimbursements, up to $30.00 provided only if qualifications are met within the qualification cycle. ATM receipt must be presented for reimbursement of a questioned ATM fee. Limit one account per SSN. Fees could reduce the earnings on the account. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.