Kasasa Cash

The rewards are exceptional. And earning them is easy.

All those smart banking moves are about to pay off

Yes, you can earn 3% interest on your checking account cash. No, it's not difficult or complicated. Just make regular use of your debit card, enjoy the convenience of online banking, and sign up to receive electronic account statements.

Checking to fit you
High Interest
ATM Refunds
Mobile Banking
Convenient Banking Locations

Let's take a look at how this can all add up

Let us run some numbers for you. If you keep about $15,000 in your account year-round, you would end up with an extra $450 or so. And who couldn't make good use of that?

  • With Kasasa Cash Checking, you can earn 3.05% APY (annual percentage yield) on balances up to $15,000.99¹
  • Balances over $15,000.99 earn 3.05% to 0.62% APY, depending on balance in account¹
  • Minimum opening deposit of $100
  • No monthly service charge
  • Receive nationwide ATM fee refunds, up to $25 per monthly cycle²
  • Free online banking and electronic BillPay
  • Free mobile app and mobile check deposit
  • Free Bank of Missouri debit card

Unlock your rewards

To qualify for the highest interest earnings, here's what you need to do each month:

  • At least 15 debit card transactions (posted and settled)
  • Log into Online Banking from your favorite device
  • Receive electronic statements
  • If you come up short some month, no worries! You will still earn 0.05% APY on your entire balance¹, and you still don't have to pay a service charge. And you can start off fresh the next month in your quest to earn maximum rewards.

Learn more about ATM refunds

Let’s take a look at how ATM refunds work with our Kasasa accounts.

Bank of Missouri customers can use our bank ATMs any time at no charge. We have ATMs at 30+ locations across Missouri.

You will typically have a fee from our bank and the out-of-network bank. If you meet your rewards qualifications, we'll refund 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.

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 in our mobile banking app.

All the extras. Included.

We offer the tools to help you Live Well, Bank Well.

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Kasasa Account Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. 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 one (1) account(s) per social security number. 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. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

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.

1When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000.99 in your Kasasa Cash account earn an interest rate of 3.00% resulting in an APY of 3.05%; and daily balances over $15,000.99 earn an interest rate of 0.25% on the portion of the daily balance over $15,000.99, resulting in a range from 3.05% to 0.62% APY depending on the account's daily balance. When your account qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.05% resulting in a non-compounding annual percentage yield of 0.05%. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 10/01/2023. APY calculations are based on an assumed balance of $15,000.99+ $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Fees may reduce earnings.

2You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa account during the Monthly Qualification Cycle in which you qualified. ATM fee reimbursements will be credited to your account on the last day of the statement cycle. When your account qualifications are not met, the ATM withdrawal fees are not refunded. Sometimes, the withdrawal information we receive for your transaction does not tell us the exact ATM withdrawal fee. In those instances, we estimate the fees based on averages. If you incur a fee greater than the estimation, we will adjust the amount if 1) you have not exceeded the $25 monthly cap and 2) we receive the transaction receipt within sixty (60) calendar days of the transaction.

3To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your account during each Monthly Qualification Cycle: 1) At least 15 debit card purchases; 2) Be enrolled in and log into Online Banking; 3) Be enrolled in and have agreed to receive e-statements 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, 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. 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" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. "Banking 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, June 19, 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, June 19, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. "Statement Cycle" means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account.

Trademark information:
Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A. iTunes is a trademark of Apple Inc., registered in the U.S. and other countries. Google Play is a trademark of Google, Inc. Apple Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program.