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Shop smart with free checking that pays cash back on your debit card purchases.

Key Features

  • Cash Back on Debit Card Purchases
  • No Monthly Maintenance Fee
  • Refunds on ATM Withdrawal Fees*
  • Digital Banking

Do you currently have an account with Main Street Bank?

  • Free checking that pays you back
  • 2.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $300 in purchases monthly
    • Earn up to $72 cash back per year, $6 per month
  • Refunds on ATM withdrawal fees, nationwide (unlimited)*
  • 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 Visa® debit card
  • Free digital banking services
  • $100 minimum deposit to open

Earning Cash Back is Simple.

So simple, you’re probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH payment, or bill pay transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements

But if you don’t meet these qualifications, don’t worry — your account is still free.
And you can get right back to earning your cash rewards the very next cycle that you qualify.

Do you currently have an account with Main Street 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 Main Street Bank as ATM transactions, PIN-based, signature based transactions, non-retail payment transactions, and purchases made with debit cards not issued by Main Street 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 Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 2% cash back on up to a total of $300.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $6.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to $4.00 per single transaction 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 $4.01 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 Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of current statement cycle. Rates and rewards are variable and may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100.00 minimum deposit is required to open the account. Monthly Direct Deposit or ACH credit/debit and receipt of electronic statements may be a condition 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. Number of accounts may be limited. There are no recurring monthly service charges or fees to open or close this account. Contact one of our Customer Service Representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.