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Grand Bank

Make saving effortless

Link a Kasasa Saver account to your Kasasa Cash checking to build savings automatically and at no cost!

Kasasa Cash Checking

With reverse tiered rates, our customers get the highest rate with their first deposit. Qualifying for this, as well as our other great rewards is easy!  In fact, it may be things you are already doing! 

  • Earn cash on your balances! Qualifying rates start at 2.25% APY for your first $25,000 and 0.25% APY on balances over $25,000
  • Receive a refund of up to $25 per month in ATM withdrawal fees nationwide
  • No minimum balance required to earn rewards
  • No Monthly Service fees
  • $100 Minimum Balance to open
  • 15 Free Online Bill Pays per month $.50 for additional monthly Bill Pays

Kasasa Saver

The Kasasa Saver allows you to save easily!  Each month the rewards you earn from your Kasasa Cash Checking will be swept automatically into your savings!  The Kasasa Saver also features reversed tiered rates, so you earn the highest rate on even the smallest of balances.  

  • Links with your Kasasa Cash Checking account
  • Earn cash on your balances! Qualifying rates start at 1.00% APY for your first $50,000 and 0.25% APY on balances over $50,000
  • No minimum balance required to earn rewards
  • Unlimited Withdrawals
  • No Monthly Service fees
  • $100 Minimum Balance to open

HOW DO I EARN REWARDS?

Qualifying for your Kasasa Cash Checking rewards automatically qualifies you for the highest Kasasa Saver rate too!  To earn your rewards, you will need to be sure to complete your enrollment in eStatements, then each month during your qualification cycle, complete the following:

  • Login to your online banking
  • Have at least 1, cleared, direct deposit or ACH item
  • Have at least 12, cleared, debit card purchases

And, if you don’t complete these, don’t worry...
Your account is still free!  You will also still earn our base dividend rate (0.01% APY*) and you can get right back to earning your full rewards the very next cycle that you qualify.

And, as an added benefit, we will automatically qualify you for rewards for your first cycle!

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Qualification Information Account transactions and activities may take one or more days to post and clear 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. Transactions that do not post and clear within the Qualification Cycle in which they are initiated, are not carried forward to the next cycle.
"Monthly Qualification Cycle" means a period beginning the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.
"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.

Reward Information When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Kasasa Cash account earn an interest rate of 2.227% resulting in an APY of 2.25%; and daily balances over $25,000 earn an interest rate of 0.250% on the portion of the daily balance over $25,000, resulting in a range from 2.25% to 0.65% APY depending on the account's daily balance.
In addition, daily balances up to and including $50,000 in your Kasasa Saver account earn an interest rate of 0.995% resulting in an APY of 1.00%; and daily balances over $50,000.00 earn an interest rate of 0.25% on the portion of the daily balance over $50,000, resulting in a range from 1.00% to 0.50% APY depending on the Kasasa Saver account's daily balance.
You will receive reimbursements up to an aggregate total of $25.00 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 daily balance will be 0.009% resulting in a non-compounding annual percentage yield of 0.01% and ATM withdrawal fees are not refunded. In addition, the entire daily balance in the Kasasa Saver account earns an interest rate of 0.009% resulting in an annual percentage yield of 0.01%.
Interest will be credited to your Kasasa Cash and Kasasa Saver accounts on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.
Note: When linked to a Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account balance is less than the transferred amount when the transfer occurs.
APY = Annual Percentage Yield. APYs accurate as of October 25, 2018. APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Cash account and $50,000 + $100,000 in your Kasasa Saver 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. $100 minimum deposit is required to open an account (Kasasa Cash or Kasasa Saver).
Monthly Direct Deposit and/or ACH credit or debit, enrollment in online banking and eStatements, as well as a minimum number of debit card transactions 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 one (1) account(s) per personal Social Security Number.
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.
Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

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

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