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Free KASASA Cash® Checking

Kasasa Free Checking

Earn up to 2.00% APY* and refunds on your ATM fees. Plus, connect Kasasa Cash® checking account to a free Kasasa Saver® account to build your savings automatically.

  • Free checking that pays high interest
  • 2.00% APY* on balances up to $15,000
  • 2.00% to 0.19% APY* on balances over $15,000 depending on balance in account*
  • 0.02% APY* if qualifications aren’t met
  • Refunds on ATM fees, nationwide (unlimited)
  • Can link to high-interest Kasasa Saver® account
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking & bill pay 1
  • Free eStatements
  • Free mobile banking 2
  • Free Visa® debit card 3
  • Unlimited check writing
  • $100 minimum deposit to open


Switch Kit logo

Reward qualifications…
  • Enroll and receive eStatements
  • Enroll and use online banking
  • Have at least 12 debit card purchases post and settle during each monthly qualification cycle




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, 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 rst day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

Reward Information: You will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle: Balances up to $15,000 receive APY* of 2.00%; and balances over $15,000 earn 0.19% interest rate on the portion of balance over $15,000, resulting in a range from 2.00% APY to 0.19% APY* depending on the account’s balance.When your Kasasa Cash account qualifications are not met all balances in a Kasasa Cash account earn 0.02% APY* and ATM fees are not reimbursed. APY = Annual Percentage Yield. APYs accurate as of 06/01/2018.

ATM Fee Refunds: you will receive reimbursements (up to $4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. Rewards and ATM fee reimbursements will be credited 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. Enrollment in online banking, receipt of electronic statements are condition(s) of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons are required to meet some of the account’s qualifications. Limit two account(s) per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.

*APY = Annual Percentage Yield. APYs accurate as of 06/01/2018.

1 You are responsible for any and all telephone access fees and/or internet service fees that may be assessed by your telephone and/or Internet service provider. 

 Carolina Trust Bank does not charge fees to download or use the Carolina Trust Bank Mobile Banking App.  Your mobile carrier may charge for data and text message usage.  Check with your carrier for more information. 

3 Overdraft and returned item fees may apply.