Free Kasasa Cash Back Checking

Get paid to go shopping. Yes, we mean it. Kasasa Cash Back® is a free checking account that pays you cash back on everyday purchases, all over town — not just at the pump. Get even more cash back with unlimited refunds on ATM fees, nationwide.* Keep track of your cash back easily, thanks to First Colorado’s timesaving services like online and mobile banking. Tempted to spend your extra cash? Transfer your rewards to a free Kasasa Saver® account automatically and earn high interest!

Summary
  • Free checking that pays you back
    • 2% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $400 in purchases monthly
    • Earn up to $8 cash back per month
  • Unlimited refunds on ATM fees, nationwide*
  • Link to Kasasa Saver to build savings automatically
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking & bill pay
  • Free eStatements
  • Free mobile banking
  • Free Visa® debit card
  • Unlimited check writing
  • $100 minimum deposit to open

It’s Easy to Earn Rewards

In order to receive your rewards, simply do the following each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 bill pay or ACH debit transaction post and settle
  • Be enrolled in and agree to receive eStatements

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash Back account is still free. And you can get right back to earning your cash rewards the very next month!

*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, credit card purchases, 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 Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 2.00% cash back on up to a total of $400.00 on debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle; (2) You will also receive reimbursements up to $4.99 per single transaction for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified and; (3) for Monthly Qualification Cycles in which you are qualified, ATM Fees charged by First Colorado National Bank for use of domestic ATMs will be reimbursed for this account ($1.00 per transaction).  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 Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of current statement cycle. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. 

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100 minimum deposit is required to open the account. Monthly Direct Deposit/ACH credit or Debits, enrollment in online banking, receipt of electronic statements may be a condition of this account. Enrollment in electronic services (e.g. online banking, electronic statements) may be required to meet some of the account’s qualifications. Limit 1 account(s) per social security number / individual taxpayer identification number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC.  Kasasa and Kasasa Cash Back are trademarks of BancVue, Ltd., registered in the U.S.A. 

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