Online Banking

Kasasa Cash®

We literally pay you to bank here. Free Kasasa Cash® checking pays up to 2.01% APY* on your balance, and refunds your ATM fees, nationwide* — whether you’re in Traverse City, Bear Lake, Benzonia, or anywhere else!

Unlike other reward accounts, you don’t have to jump through hoops to earn these rewards. Just do banking basics you probably already do, like logging into online banking. Come visit us today to open your account in minutes.


  • 2.01% APY* on balances up to $10,000

  • 2.01% to 0.41% APY on balances over $10,000 depending on balance in account*

  • 0.03% APY* if qualifications aren't met

  • Refunds on ATM fees, nationwide (up to $20 monthly)*

  • Links to high interest Kasasa Saver®

  • Kasasa ProtectTM available at a discounted rate

  • No minimum balance to earn rewards

  • No monthly service fee

  • Free online banking

  • Free mobile banking

  • Free eStatements

  • Free MasterCard® debit card

  • Free telephone banking

  • Unlimited check writing

  • $50 minimum deposit to open

Easy Qualification

To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 15 debit card purchases post and settle

  • Have at least 1 ACH payment transaction post and settle

  • Be enrolled in and log into online banking

  • Be enrolled in and agree to receive eStatements

There Are No Penalties if You Don’t Qualify

Your Kasasa Cash account is still free, and you’ll still earn our base interest rate. Plus, you can get right back to earning your full rewards the very next cycle that you qualify.


  • Notices & Disclosures

    * 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 in order 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. “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 close of the current statement cycle.


    Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $10,000 receive APY of 2.01%; and balances over $10,000 earn 0.26% interest rate on the portion of balance over $10,000, resulting in a range from 2.01% to 0.41% APY depending on the account’s balance and (2) you will receive reimbursements up to $20 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Cash qualifications are not met, all balances in the account earn 0.03% APY and ATM fees are not refunded. Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 05/01/2017. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.


    Additional Information: Account approval, conditions, qualifications, limits, time frames, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. Monthly receipt of electronic statements is a condition of this account. Failure to enroll in and receive Electronic Statements within the first 30 days after your account is opened, and failure to continue to receive electronic statements each month will result in our institution a) sending you a paper statement, or b) converting your account to a different product type.  A paper statement delivery fee of $3 will be charged for each paper statement we deliver to you.  This delivery service fee will stop when the delivery of paper statements ends.  Enrollment in electronic services (e.g. online banking and log-ons are required to meet some of the account’s qualifications. Limit 1 account per social security number. There are no recurring monthly service charges when you receive eStatements, nor are there fees to open or close this account. Contact an Honor Banker for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of BancVue, Ltd., registered in the U.S.A.


    Other possible fees.

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