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Put money back in your pocket. Free Kasasa Cash® checking earns you up to a really high 3.00% APY each month.* It's the perfect account for smart customers who want their account to work for them — and not the other way around.

You'll also receive ATM withdrawal fee refunds, not just in South Dakota, but nationwide* — so you can make any ATM your ATM. Go ahead and get in charge of your finances with the power of Kasasa®.

Do you currently have an account with Quoin Financial Bank?

Summary
  • Free checking that pays really high interest
  • 3.00% APY* on balances up to $25,000
  • 3.00% to 0.72% APY on balances over $25,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
  • Link to Kasasa Saver® for automatic savings
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free online banking and bill pay
  • Free mobile banking with mobile deposit
  • Free eStatements
  • Free Visa® debit card
  • Access to First Class Club benefits for customers 62+
    • Free personalized checks
  • Unlimited check writing
  • $50 minimum deposit to open

Earning Your Rewards is Easy!

Don't panic. Kasasa Cash qualifications are so easy that you are probably already doing them. To earn your rewards, 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 bill pay or ACH payment transaction
  • At least 10 debit card purchases
  • Be enrolled in and agree to receive eStatements

Yes, it's that easy! And if you miss a qualification cycle, don't worry! The account is still free and there's no penalty for not qualifying in a given cycle. You can get right back to earning amazing interest and enjoying ATM refunds the next cycle you qualify.

Do you currently have an account with Quoin Financial Bank?

Qualification Information:To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle: At least 1 bill pay or ACH payment transaction(s.) At least 10 debit card purchases. Be enrolled in and have agreed to receive e-statements rather than paper statements. 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. 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) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.
"Banking Day" means any business day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions. "Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. "Statement Cycle" means the period of time 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 Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Kasasa Cash account earn an interest rate of 2.96% resulting in an APY of 3.00%; and daily balances over $25,000 earn an interest rate of 0.15% on the portion of the daily balance over $25,000, resulting in a range from 3.00% to 0.72% APY depending on the account's daily balance. You will receive reimbursements up to an aggregate total of $20 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle when Kasasa Cash qualifications are met.  ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction.  ATM fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches.  We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Kasasa Cash 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% APY and ATM withdrawal fees are not refunded. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 08/09/2018. APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply.
$50.00 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, e-statements) may be required to meet some of the account's qualifications. Limit of one account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. 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. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Kasasa Cash When Linked to Kasasa Saver: When linked to Kasasa Saver and your Kasasa Cash account's qualifications are met during a Monthly Qualification Cycle, daily balances up to and including 25,000 in your Kasasa Cash account earn an interest rate of 2.96% resulting in a non-compounding APY* of 2.96%; and daily balances over $25,000 earn an interest rate of 0.15% on the portion of the daily balance over $25,000, resulting in a non-compounding range from 2.96% to 0.71% APY depending on the account's daily balance. When your linked Kasasa Cash account's qualifications are not met during a Monthly Qualification Cycle: ATM withdrawal fees are not refunded and the entire daily balance in the account earns an interest rate of 0.05% resulting in a non-compounding APY of 0.05%. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. * Interest in Kasasa Cash does not compound because it is automatically transferred to the Kasasa Saver account within one business day. Any ATM fee reimbursements are also transferred from the Kasasa Cash account to the Kasasa Saver account within one business day. Note: Automatic transfer may cause an overdraft to your Kasasa Cash account, if the account's balance is less than the transferred amount when transfer occurs.
Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.