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Get up to $108 every year in cash back on debit card purchases when you sign up for free Kasasa Cash Back® checking.* There's no monthly balance to earn these rewards — all it takes is using your debit card and logging into online banking every month. And you'll earn up to $25 a month in ATM withdrawal fee refunds, nationwide.* You'll also get access to free mobile services and more. Open your account today!

  • Free checking that pays you back
  • 3.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $300 in purchases monthly
    • Earn up to $108 cash back per year, $9 per month
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly/maximum $3 per transaction)*
  • Link to Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Enhanced security through Kasasa Protect™ available
  • Free online banking
  • Free eStatements (required to maintain account)
  • Free mobile banking with mobile deposit
  • Free MasterCard® debit card
  • Unlimited check writing
  • $100 minimum deposit to open
  • Bill Pay**

Easy Banking Basics to Reap Your Rewards

Earning your rewards is simple and requires no more than using the free services that come with your account. To earn your rewards, just do the following transactions and activities in your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and log into online banking

Simple, right? Even if you don't meet your qualifications during the cycle, your Kasasa Cash Back account is still free. And you can get right back to earning your cash rewards the very next month!

*Kasasa Cash Back

Receipt of electronic statements is a condition of this account.  Enrollment in electronic services ( e.g. online banking), receipt of electronic statements and monthly log-ons are required, and can be satisfied by enrolling at harvestbankmn.com.  Full requirements for Rewards are laid forth below.

Limit 1 account per social security number/ individual taxpayer identification number.

If you do not meet rewards qualifications in three consecutive months, the Bank may convert your account at its discretion to whatever basic checking account we are offering at the time.  We will give you 30 days’ notice prior to converting your account.

When linked with Kasasa Saver account, Kasasa rewards including: cash back on debit card purchases and ATM fee refunds will be automatically transferred to the Kasasa Saver.  This transfer may bring your account balance negative, but you will not be charged an overdraft fee.

To qualify for “Kasasa Cash Back” and “Kasasa ATM Reimbursement” you must access Online Banking at least one time during the monthly qualification cycle and 12 POINT OF SALE debit card transactions must post and settle during the monthly qualification cycle.  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 the 12 Point of Sale debit card transactions: 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 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.  

An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 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 thirty (30) 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.

**$5 monthly fee for Bill Pay when customer does not have at least one Bill Pay transaction in the statement cycle.