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Free "E-Z" Checking

Kasasa CASH

Kasasa CASH BACK

NOW

Pays Interest   High Interest Cash Back X
Min to Open $0 $0 $0 $1,000
Minimum Balance $0 $0 $0 $1,000
Below Min Fee $0 $0 $0 $5
Service Fee $0 $0 $0 $0
Free Debit Card X X X X
Free Online Banking X X X X
Free Bill Pay X X X X
Free Mobile Banking X X X X
Estatements X X X X
ATM Refund   $20 $20  
Transaction Limit       20 checks
Protection vs. ATS (Sav Sweep) Protection or SAV Sweep Protection or SAV Sweep Protection or SAV Sweep Protection or SAV Sweep


Kasasa Cash

There are a lot of checking accounts out there. But not many that pay you up to 2.50% APY* and ATM fee refunds— not just at home, but nationwide.

Kasasa Cash is a free, high-interest checking that pays you 2.50%APY in cash every monthly qualification cycle you qualify*. That's right. Cash. No short-term offers and no hidden costs. After all, it's your money, so you should benefit the most from it.

  • 2.50% APY* on balances up to $10,000
  • 2.50% – 0.73% APY on balances over $10,000 depending on balance in account*
  • 0.05% APY* on full balance if qualifications aren't met
  • Nationwide ATM fee refunds*
  • No minimum balance requirements to earn rewards
  • Never a monthly service fee
  • Link to Kasasa Saver® for more benefits
  • Unlimited checking
  • Free Mastercard® debit card
  • Free online banking with bill pay
  • Free e-Statements
  • Free Mobile Banking

Qualifications:
Simply do the following each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Have at least 1 automatic external payment (ACH) auto debit, direct deposit, or bill pay transaction post and settle
  • Be enrolled and review e-Statement notices or internet banking statements

If you don't meet the qualifications one month...no worries! Your account is still free and still earns interest at our base rate. And you can get back to earning the full rewards the very next month!

*APY=Annual Percentage Yield. APYs accurate as of 02/02/2015. Rates may change after account is opened. Minimum to open is $100 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 up to $20 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.50%; and (3) balances over $10,000 earn 0.55% interest rate on the portion of the balance over $10,000, resulting in 2.50% - 0.73% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card 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. 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. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. If you do not meet the qualifications one month…no worries! Your account is still free and still earns interest at our base rate and you can get back to earning the full rewards the very next month! However, if you do not qualify in your Kasasa account for two or more consecutive months, we reserve the right to switch you into a basic checking account.



Kasasa Cash Back

Everyone likes a little extra cash in their pocket, right? Kasasa Cash Back® helps get you up to $7.50 cash back per month on everyday debit card purchases.* And with no monthly service fee, it also saves you money at the same time.

Another money saver — refunds on ATMs, nationwide.* Whether you're in Illinois or Indiana, make any ATM your ATM.™ with Kasasa Cash Back!

  • 2.50% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on purchases up to $300 monthly
    • Earn up to $7.50 cash back per month
  • ATM fee refunds nationwide (up to $20 monthly)*
  • Link to Kasasa Saver® to build savings automatically
  • No monthly service fee
  • No minimum balance to earn rewards
  • Unlimited checking
  • Free online banking with bill pay
  • Free mobile banking
  • Free e-Statements
  • Free MasterCard® debit card
  • No minimum deposit to open

Earning Rewards Is Easy

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash Back account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Have at least 1 automatic external payment (ACH) auto debit, direct deposit, or bill pay transaction post and settle Be enrolled and review e-Statement notices or internet banking statements

It's as simple as that. If you don't qualify, don't worry. Your account is still free, and you can always get back to earning rewards the next cycle.

To obtain qualifying status, the Kasasa Cash Back account must meet the following requirements:
1. Have at least 10 POS Debit Card purchases post to and settle account during monthly qualification cycle
2. Have at least 1 pre-arranged, recurring debit or credit ACH post to and settle account per monthly qualification cycle
3. Receive statements in the form of paper-free E-statements each monthly qualification cycle (must have valid email address)

If qualifications are met each monthly qualification cycle you will receive: (1) 2.5% cash back on up to a total of $300 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 may be earned per Monthly Qualification Cycle.
(2) ) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle

*Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM transactions do not count towards qualifying debit card 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. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. If you do not meet the qualifications one month…no worries! Your account is still free and still earns interest at our base rate and you can get back to earning the full rewards the very next month! However, if you do not qualify in your Kasasa account for two or more consecutive months, we reserve the right to switch you into a basic checking account.



Free "E-Z" Checking

It's all in the name Free "E-Z"! For starters, there is never a monthly service fee or minimum balance as long as you have an e-statement. You can have your statement sent through email or through your Internet Banking account.

Truly free checking is becoming much harder to find these days. But The First National Bank of Barry always remembers that your money is your money. Make the most of it.



Now Checking

Earn solid interest while retaining immediate access to your day-to-day funds. Maintain a $1,000 balance to waive the $5 monthly service fee.

Our NOW Account is an ideal way to generate earnings without the hassle of transferring funds to and from multiple accounts. Get more from your money NOW.

See our current interest rates.