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Get paid to bank free — enjoy up to 2.00% APY* and refunds on ATM withdrawal fees* — just for doing some easy banking basics.

Key Features

High Interest

ATM Withdrawal Fee Refunds

No Monthly Maintenance Fees

Do you currently have an account with MCS Bank?

  • Free checking that pays high interest
  • 2.00% APY* on balances up to $15,000
  • 2.00% to 0.50% APY on balances over $15,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Includes digital banking services:
    • Free online banking & bill pay
    • Free mobile banking with mobile deposit
    • Free eStatements
  • Free EMV debit card with uChoose Rewards
  • $25 minimum deposit to open

It's Easy to Earn Your Rewards!

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 direct deposit, ACH credit, or ACH payment transaction
  • At least 10 debit card purchases
  • Be enrolled in and agree to receive eStatements

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month!

Do you currently have an account with MCS Bank?

*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 MCS Bank as ATM transactions and purchases made with non-MCS Bank issued cards. 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 $15,000.00 receive APY of 2.00% and balances over $15,000.00 earn 0.50% interest rate on the portion of balance over $15,000.00, resulting in a range from 2.00% to 0.50% APY depending on the account's balance and (2) you will receive reimbursements for nationwide ATM withdrawal fees incurred during the Monthly Qualification Cycle in which you qualified. 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 9/30/2018. 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. $25.00 minimum deposit is required to open the account. Monthly Direct Deposit or ACH debit/credit and agreement to receive e-Statement notifications are conditions of this account. Enrollment in electronic services (e.g. online banking, electronic statements and log-ons) may be required to meet some of the account's qualifications. Limit one (1) account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact a MCS Bank service representative 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.