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Get free checking that rewards you wherever you go. At FNB, it pays to keep your money right here.

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Key Features

  • Really High Interest
  • Refunds on ATM Withdrawal Fees*
  • No Monthly Maintenance Fees
  • No Minimum Balance Requirements
  • Free checking that pays high interest
  • 3.00% APY* on balances up to $25,000
  • 3.00% to 0.80% APY on balances over $25,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
  • Add Kasasa Protect® for comprehensive fraud protection*
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free debit card
  • Free digital banking, including:
    • Online banking
    • Mobile banking
    • eStatements
  • Free telephone banking
  • Surcharge-free ATMs also available
  • $100 minimum deposit to open

Please note that receiving eStatements is a condition of having this account.

It’s pretty easy to earn rewards.

Just do a few simple things you probably already do. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle: 

  • At least 1 ACH credit or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and log into online banking

That’s it. And if you don’t meet these qualifications, don’t worry — your account is still free.

Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

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,  and non-retail payment transactions. 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.

See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

"Banking Day" means any 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 or for processing.

"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" 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. See our website or contact one of our branch service representatives for specific Statement Cycle dates.

Reward Information:

When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $25,000.00 in your Kasasa Cash account earn an interest rate of 2.9595% resulting in an APY of 3.0000%; and average daily balances over $25,000.00 earn an interest rate of 0.2499% on the portion of the average daily balance over$25,000.00, resulting in a range from 3.0000% to 0.8000% APY depending on the account's average daily balance.

You will receive reimbursements up to an aggregate total of $20.00 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 average daily balance will be 0.0490% resulting in an annual percentage yield of 0.0500% 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 first processing/business day of the following statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of 12/01/2019.

APY calculations are based on an assumed balance of $25,000.00 + $100,000 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, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

A $100.00 minimum deposit is required to open the account.

Enrollment in online banking and e-statements are conditions of this 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 person.

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.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Member FDIC.

Trademarks:

Experian is a registered trademark of Experian Information Solutions, Inc.

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

Kasasa Protect is an optional, separate, add-on, fee-based offering that provides identity theft, fraud protection and breach resolution assistance through CSID, an independent third-party, owned by Experian Partner Solutions. Kasasa Protect requires your (a) explicit authorization ("opt-in"), (b) enrollment in and (c) activation of Services. Monitoring and resolution services begin upon enrollment and credit services begun upon authentication of your identity (collectively "Services"). Kasasa Protect is provided for a separate monthly fee of $10.00, or $8.00 if you are a Kasasa accountholder. Services fees will be automatically debited from your checking account on the third (3rd) of each month and will begin the month following your enrollment. Services will end within five (5) days of a cancellation request being processed by our bank. Fees will end one (1) day after our bank processes your cancellation request. The current month's fee will not be reimbursed or prorated upon cancellation. Fees, services and providers are variable and may change, with proper notification, after enrollment. Terms and conditions as well as full enrollment, activation, authentication and cancellation instructions can be retrieved at one of our branch locations or online by entering this url into your browser: secure.kasasaprotect.com.

Federal Notice: Even without our plan, you have the right to a free credit report from each of the three major credit bureaus through annualcreditreport.com or 877-322-8228, the only authorized source under federal law. Bank Notice: Our bank shall not have any liability for the accuracy of the information contained in the credit reports provided through these services including any liability for damages, direct or indirect, consequential or incidental. Kasasa Protect does not include the ability to place or release credit freezes on your credit report since the credit bureaus, in accordance with the Economic Growth, Regulatory Relief and Consumer Protection Act, are to provide these capabilities for free after September 21, 2018.

Kasasa Protect is a trademark of Kasasa, Ltd., registered in the U.S.A. CSID and Experian are registered trademarks of Experian Partner Solutions, Inc.

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