free checking account

Kasasa Cash


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Most banks charge you to have a checking account. Here at ESB Financial, we think it makes more sense to pay you. That's right, get paid really high interest with free Kasasa Cash® checking account. We'll even refund your ATM fees nationwide (up to $20 per qualification cycle)!*

And there's no monthly service charge or minimum balance to keep. All you have to do to earn your rewards are a few simple things each month. The best part? These things make banking easier anyway! Do you Kasasa®?

  • Free checking account that pays really high interest
  • Earn 2.01% APY* on balances up to $10,000
  • Earn 2.01% to 0.16% APY on balances over $10,000 depending on balance in account*
  • Earn 0.05% APY* if qualifications aren't met
  • Plus earn refunds on ATM fees nationwide up to $20 a month
  • Option to link to free Kasasa Saver® for automatic savings
  • Have Kasasa Cash rewards transferred to Kasasa Saver
  • No minimum balance required to earn rewards
  • No monthly service fee
  • ESB Online Banking
  • ESB Mobile Banking
  • Free Visa® debit card
  • Free E-Statement with check images
  • $50 minimum opening balance

How to Get Paid High Rates and Earn Refunds on ATM Fees

To earn your rewards, simply do the following activities in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Receive and review monthly E-Statement
  • Have at least 1 electronic deposit or withdrawal post and clear

That's it! And if for some reason you don't qualify, don't worry. Your account is still free and you'll still earn our base interest rate. You can get back to earning your full rewards the very next 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, 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) 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: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $10,000 receive APY of 2.01%; and balances over $10,000 earn 0.15% interest rate on the portion of balance over $10,000, resulting in a range from 0.15% to 2.01% APY depending on the account's balance and (2) you will receive reimbursements up to an aggregate total of $20 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM 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 Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM withdrawal fees are not refunded. Interest and ATM withdrawal fee reimbursements 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 06/22/2016. 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. $50 minimum deposit is required to open the account. Monthly Direct Deposit/ACH Withdrawal and receipt of electronic statements are conditions of these accounts. Limit 1 account per social security number. Early closing fee of $30 if account is closed within 60 days after date opened. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.