Enjoy a premium banking experience at Main Street Bank — starting with free checking that pays.
- High Interest
- No Monthly Maintenance Fee
- Refunds on ATM Withdrawal Fees*
- Digital Banking
- Free checking that pays high interest
- 2.00% APY* on balances up to $15,000
- 2.00% to 0.25% 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 (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 Rewards is Easy.
To earn rewards, just do what you’re likely already doing. 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 payment, or bill pay transaction
- At least 10 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
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.
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.
"Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle.
Contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000 in your Kasasa Cash account earn an interest rate of 1.98% resulting in a non-compounding APY* of 2.00%; and daily balances over $15,000 earn an interest rate of 0.25% on the portion of the daily balance over $100,000, resulting in a non-compounding range from 0.25% to 2.00% APY depending on the account's daily balance.
You will receive unlimited reimbursements 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 0.05% resulting in an annual percentage yield of 0.05% 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 last day of the current statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 03/25/2020.
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.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
$100 minimum deposit is required to open the account.
There are no recurring monthly maintenance charges or fees to open or close this account.
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.
Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.