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Don't settle for the same old boring checking. Choose free Kasasa Cash® and see cold, hard cash appear in your account every month, just for doing some banking basics!* Like to travel? Pack up that RV knowing that no matter where you go, you'll get refunds on ATM withdrawal fees.* Unbelievable rewards with no maintenance fee — that's the power of Kasasa®!

CALCULATORS RATES CYCLE DATES

  • Free checking that pays high interest
    • 2.50% APY* on balances up to and including $50,000
    • 2.50% to 1.07% APY on balances over $50,001 depending on balance in account*
    • 0.05% APY* on entire balance if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Free online banking & bill pay
  • Free eStatements
  • Free mobile banking with mobile deposit
  • Free Visa® debit card
  • Unlimited check writing
  • No minimum deposit to open

It's Easy to Qualify.

To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

And if you don't meet these qualifications, don't worry.

Your account is still free. You'll also still earn our base interest rate — and you can get right back to earning your full rewards the very next cycle that you qualify.

Do you currently have an account with Oxford 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 linked Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle.  

  • At least 12 debit card purchases
  • Be enrolled in and log into online banking
  • Be enrolled in and have agreed to receive eStatements 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, 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": All Kasasa Monthly Qualification Cycles end on the business day before the second Wednesday of every month. See our website or contact one of branch service representatives for specific Monthly Qualification Cycle dates.

"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": Our Statement Cycles end on the second Wednesday of every month. See our website or contact one of branch service representatives for specific Statement Cycle dates.

Reward Information: (The following information and rewards apply only to accounts that are opened after August 28, 2018)

When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $50,000 in your Kasasa Cash account earn an interest rate of 2.47% resulting in an APY of 2.50% and daily balances over $50,001 earn an interest rate of 0.35% on the portion of the daily balance over $50,001 resulting in a range from 2.50% to 1.07% APY depending on the account's daily balance.

You will receive reimbursements up to an aggregate total of $25 (max. $4.99 per single transaction) for nationwide ATM withdrawal fees incurred within your Kasasa Cash 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 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% 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 4/5/19. APY calculations are based on an assumed balance of $150,000 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, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 1 account(s) per social security number / individual taxpayer identification 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. A Kasasa Cash account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC.

Trademarks:

Kasasa, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.