Kasasa Saver

Kasasa Saver

Make your free Kasasa Cash® or Kasasa Cash Back® checking account even better by linking it to their sidekick account! Kasasa Saver® allows you to save more every month, automatically and effortlessly.

Here's how it works: each monthly qualification cycle you qualify, the interest and ATM refunds from your Kasasa Cash or Kasasa Cash Back account are automatically transferred into Kasasa Saver. Plus, your Saver balance earns a high interest rate, too! Just meet the qualifications for Kasasa Cash or Kasasa Cash Back and watch your savings grow.


Summary
  • Linked to Kasasa Cash or Kasasa Cash Back account
  • Automatic transfers of rewards
  • 1. 00% APY* on balances up to $10,000
  • 1. 00% to 0.50% APY on balances over $10,000 depending on balance in account*
  • 0.03% APY* if monthly qualifications are not met
  • Interest paid on collected funds
  • No minimum balance required
  • Free online banking*
  • Free mobile banking**
  • Combined monthly imaged eStatement
  • $25 minimum to open
  • *Note internet provider charges may apply.
  • **Cellular phone carrier charges may apply for internet and text messaging. Contact your provider for information regarding these charges.
  • It's easy to qualify

  • Qualifying to earn Kasasa Saver rewards is so easy that you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash or Kasasa Cash Back account each monthly qualification cycle:
  • Have at least 12 debit card purchases post and settle
  • Be enrolled and agree to receive eStatement notices
  • Be enrolled and log into online or mobile banking at least once per Monthly Qualification Cycle
  • If you don't qualify during a cycle, don't worry. There's no penalty for not qualifying. You still have a free savings account that earns our base APY*. Plus you can get right back to earning a higher APY* the next cycle you qualify!

Kasasa Cash linked to Kasasa Saver

*APY=Annual Percentage Yield. APYs accurate as of 08/01/2015. Rates may change after account is opened. Minimum to open is $25.00 for Kasasa Cash and $25.00 for Kasasa Saver. For Kasasa Cash, if qualifications are met each Monthly Qualification Cycle: (1) Domestic ATM fees incurred during Qualification Cycle will be reimbursed and credited to account on the last day of monthly Statement Cycle; (2) balances up to $10,000 earn 1.9917% interest rate with an APY of 2.01%; and (3) balances over $10,000 earn 0.3490% interest rate on portion of balance over $10,000, resulting in range from 2.01% - to - 0.50% APY depending on the balance. The blended APY is calculated using a balance of $110,000. If qualifications are not met, all balances earn 0.03% interest rate with an 0.03% APY. Interest paid on collected funds. Qualifying transactions must post and settle to Kasasa Cash account during Monthly Qualification Cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts and debit-card transactions processed by merchants and received by Citizens Guaranty Bank as ATM transactions. "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. "Statement Cycle" means the period of time for which Citizens Guaranty Bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each Statement Cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are met each Monthly Qualification Cycle: (1) balances up to $10,000 in Kasasa Saver earn 0.9954% interest rate with an APY of 1.00%; and (2) balances over $10,000 in Kasasa Saver earn 0.450% interest rate on portion of balance over $10,000, resulting in range from 1.00% -to- 0.50% APY depending on the balance. The blended APY is calculated using a balance of $110,000. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.03% interest rate with a 0.03% APY. Kasasa Cash is a Negotiable Order of Withdrawal (NOW) account and we may require at least seven business day's written notice of a withdrawal. Kasasa Saver may have a limit on the number of withdrawals. See Miscellaneous Fee Schedule for fees that may apply to this account. Fees may reduce the earnings on this account. Nationwide and Domestic ATM fees are fees incurred within the United States of America. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. A limit of one (1) Kasasa Product per primary account holder's social security number.


Kasasa Cash Back linked to Kasasa Saver

*APY=Annual Percentage Yield. APYs accurate as of 08/01/2015. Rates may change after account is opened. Minimum to open is $25.00 for Kasasa Cash Back and $25.00 for Kasasa Saver. When Monthly Qualifications are met, you will receive 4.00% cash back on debit card purchases that post and settle to account during Monthly Qualification Cycle up to total cash back of $8.00 per Monthly Qualification Cycle. Domestic ATM fees incurred using Kasasa Cash Back debit card during Qualification Cycle will be reimbursed if qualifications are met within Monthly Qualification Cycle. Qualifying transactions must post and settle to account during the Monthly Qualification Cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts and debit-card transactions processed by merchants and received by Citizens Guaranty Bank as ATM transactions. "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. "Statement Cycle" means the period of time for which Citizens Guaranty Bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Kasasa Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly Statement Cycle. If qualifications in Kasasa Cash Back are met each Monthly Qualification Cycle: (1) balances up to $10,000 in Kasasa Saver earn 0.9954% interest rate with an APY of 1.00%; and (2) balances over $10,000 in Kasasa Saver earn 0.450% interest rate on the portion of the balance over $10,000, resulting in range from 1.00% -to- 0.50% APY depending on the balance. The blended APY is calculated using a balance of $110,000. If qualifications are not met on Kasasa Cash Back, all balances in the Kasasa Saver earn 0.03% interest rate and a 0.03% APY. Interest paid on collected funds. Kasasa Saver may have a limit on the number of withdrawals. See Miscellaneous Fee Schedule for fees that may apply to this account. Fees may reduce the earnings on this account. Nationwide and Domestic ATM fees are fees incurred within the United States of America. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. A limit of one (1) Kasasa Product per primary account holder's social security number.