Free Kasasa Cash Back Checking
Your checking account can pay you with Kasasa Cash Back®! Enjoy cash back on debit card purchases, plus refunds on your ATM fees nationwide. Earn your rewards by simply doing a few things that make banking easier, like using Online Banking.
We can't wait to reward you!
Earn 4.00% cash back on debit card purchases, up to $8 per qualification cycle¹
Receive nationwide ATM fee refunds, up to $25 per monthly qualification cycle²
Plus, there's no monthly service charge and no minimum balance requirement. Get started with a minimum opening deposit of $100.
Unlock your rewards
Meet these qualifications3 each monthly cycle to enjoy your rewards:
- At least 15 debit card transactions
- Log into Online Banking from your favorite device
- Receive electronic statements
If you don't meet the qualifications in a cycle, no worries! Your account is still service charge free and you can get back to earning your rewards the next cycle that you qualify.
Ready to Get Started?
Our team is ready to help you get started with a Kasasa Cash Back account. Share your contact information and we'll be in touch soon.
We want to reward you with what matters most to you. That's why we have three great rewards checking accounts to choose from. If cash back on debit card purchases doesn't sound like the right fit, we also have accounts that offer high interest or refunds on digital purchases. Compare other rewards accounts>>
Let's learn a little more about your rewards
Rewarding you for banking with us is one of our favorite things to do. So, let's take a look at how your cash back rewards work.
How Cash Back Works
When you meet the rewards qualifications, you will receive 4.00% cash back on up to a total of $200.00 in debit card purchases. So, if you make $200 in debit card purchases, you'll receive $8 back. If you spend over $200, it's still an $8 reward. And if you spend less, it's still 4.00% of the purchases. For example, if you have $100 in debit card purchases, you'll get $4 back.
It's important to note that those purchases need to post and settle to the account during that cycle period, meaning purchases made on the last few days of the cycle may not get counted.
Your cash back reward will be credited to your account on the last day of that statement cycle.
How ATM refunds work
The Bank of Missouri has ATMs at bank locations across the state. We also want to make sure you're covered for those times when you aren't nearby. That's why we offer nationwide ATM fee refunds.
What happens when I use a Bank of Missouri ATM?
Bank of Missouri customers can use our bank ATMs any time at no charge. While certain withdrawal limits are in place for your security, you're not limited on the number of times you can use the ATM. We have ATMs at 30+ locations across Missouri.
What about when I use a non-Bank of Missouri ATM?
You will typically have a fee from our bank and the out-of-network bank. If you meet your rewards qualifications, we'll refund you up to $25 worth of fees for the qualifying cycle.2 If you don't meet the rewards qualifications, you will not receive a refund on those fees.
How many times can I use out-of-network ATMs before I'm charged?
First of all, you will see a charge every time you use an out-of-network ATM. Kasasa accounts offer refunds on those fees when the monthly criteria are met.2
Between the fee your own bank charges you and the other bank's fee, that's typically around $6 per ATM transaction, based on national averages. At that rate, $25 in ATM refunds would get you about four out-of-network ATM withdrawals. Keep in mind though that fees can be higher, especially at special events or in touristy areas. Be sure to check the fees before you withdraw to avoid surprises.
Fast tip: Keep up with your ATM fees and your account any time with Online Banking and our mobile banking app.