Keeping your money local is good for your community — and your wallet. Earn cash back on purchases with Kasasa®.
- Cash Back
- Refunds on ATM Withdrawal Fees*
- Digital Banking
- Debit Card
- Free checking that pays you back
- 3.00% cash back on debit card purchases*
- No category restrictions on purchases
- Cash back earned on up to $250 in purchases monthly
- Earn up to $90 cash back per year, $7.50 per month
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
- Link to free Kasasa Saver® to build savings automatically
- No minimum balance to earn rewards
- No monthly maintenance fees
- Free digital banking, including:
- Online banking & bill pay
- Mobile banking with mobile deposit
- Free Visa® debit card
- $100 minimum deposit to open
- Consumer Accounts Only - Not available to Not-For Profit, Charitable, Tax-Exempt Accounts, Commercial or Businesss Checking Accounts.
- Additional Fees
We make it easy 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 Back® account during each Monthly Qualification Cycle:
- At least 12 PIN based/Signature based debit card purchases, posted and settled
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking or mobile banking at least one (1) time per month
- Maintain a valid email address on record with bank
See? You’ve got this. Even if you don’t meet your qualifications during a cycle, don’t worry. Your account is still free, and you can get right back to earning your full rewards the very next month.
Kasasa Cash Back: A free variable reward checking account with $100.00 minimum balance to open that rewards accountholders with cash back on their PIN based/signature-based debit card purchases and nationwide ATM withdrawal fee and Foreign ATM fee refunds when they meet minimum qualifications during the account's Monthly Qualification Cycle.
Purpose and Expected Use of Account
This account is intended to be the accountholder's primary checking account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled.
Commensurate with the spending activities identified above, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account's rewards and thus will be deemed inappropriate transactions and will not count toward earning the account's rewards.
First National Bank of Kansas reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over six (6) consecutive Statement Cycles.
We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. A First National Bank of Kansas check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash Back account, any optional add-on products / services associated with this account will also be terminated at the same time.
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:
At least 12 PIN-based/signature-based debit card purchases, posted and settled
Be enrolled in and log into online banking or mobile banking at least one (1) time per month
Be enrolled in and have agreed to receive e-statements rather than paper statements
Maintain a valid email address on record with bank
For clarity, in order to count as a qualifying transaction for the purpose of earning the account's rewards PIN-based/signature-based debit card purchases must be at least $0.01.
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, PIN based/signature based debit card purchases less than $0.01, 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.
When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 3.00% cash back on up to a total of $250.00 on PIN based/Signature based debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back payment may be earned per Monthly Qualification Cycle.
You will receive reimbursements up to an aggregate total of $25.00 with a maximum of $4.99 per transaction, for nationwide ATM withdrawal fees and Foreign ATM fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. 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 Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees and Foreign ATM fees are not refunded.
Cash back payments and nationwide ATM withdrawal fee and Foreign ATM fee reimbursements will be credited to your Kasasa Saver with Cash Back account on the last day of the current statement cycle.
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. You will automatically qualify for the account's rewards during your account's first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Kasasa Cash Back - $100.00 minimum deposit is required to open the account. Monthly activity of at least 12 debit card purchases settled and posted, be enrolled in and log into online banking or mobile banking at least one (1) time per month, be enrolled in and agree to receive eStatements, and maintain a valid email address with bank are conditions of this account. See accompanying Other Fee Schedule of First National Bank of Kansas for fees that may apply to this account. Limit of one (1) 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 Not-for-Profit, Charitable, Tax-Exempt, Commercial or Business purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Kasasa Cash Back account is required to have a Kasasa Saver with Cash Back account. If, for whatever reason the Kasasa Saver with Cash Back portion of your account is closed, your Kasasa Cash Back account will remain as a standalone Kasasa Cash Back account and that account’s terms and conditions articulated within their specific disclosure will apply. A linked Kasasa Saver with Cash Back account is required for automatic savings.
Contact one of our bank customer service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC. Kasasa, Kasasa Cash Back and Kasasa Saver with Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.