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Free KASASA Cash® 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 pay1
  • Free eStatements
  • Free mobile banking2
  • Free Visa® debit card3
  • Unlimited check writing
  • $100 minimum deposit to open

 

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

 

 

KASASA ACCOUNT DISCLAIMERS
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 first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.
 
Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle: Kasasa Cash: 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% to 0.19% APY* depending on the account’s balance. Kasasa Cash Back: 2.00% cash back on up to a total of $400 in debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. Kasasa Saver: (if linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $25,000 in your Kasasa Saver account receive an APY of 0.60% and balances over $25,000 earn 0.20% interest rate on the portion of balance over $25,000, resulting in a range from 0.60% to 0.20% APY depending on the account’s balance. ATM Fee Refunds: you will receive reimbursements ($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. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.02% APY*; all balances in a Kasasa Saver account earn 0.02% APY; cash back payments are not made, and ATM fees are not reimbursed. Rewards and ATM fee reimbursements will be credited to the appropriate Kasasa account on the last day of current statement cycle. Automatic transfer from Kasasa Cash to Kasasa Saver occurs within one day and may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. When linked to the Kasasa Saver account, the interest earned within the linked Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual interest amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account. APY = Annual Percentage Yield. APYs accurate as of 08/17/2015. 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 a Kasasa Cash or Kasasa Cash Back account. $50 minimum deposit is required to open a Kasasa Saver account. 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. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. With a Kasasa Saver account you may make (6) transfers from your account each monthly statement cycle, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order of instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. Contact one of our bank customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.
1 You are responsible for any and all telephone access fees and/or internet service fees that may be accessed by your telephone and/or Internet service provider.
2 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.