Earn high interest with our free Kasasa Cash® checking account.* You'll also get withdrawal fee refunds from ATMs all across the country* — so you can travel far and wide without worrying about where to get cash. All it takes to earn these rewards are a few easy banking basics that you probably do anyway, like using your debit card. Start earning today with just a $100 minimum deposit.



  • Free checking that pays high interest
  • 2.00% - 0.20% interest rate [0.20 % APY]* on balances up to $10,000
  • 2.00% to 0.36% interest rate on balances over $10,000 depending on balance in account*
  • 0.01% APY* if qualifications aren't met
  • 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 account during each Monthly Qualification Cycle:

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

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!


    *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 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. 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, the following rewards will be distributed to your account(s) on the last day of the current statement cycle: Kasasa Cash: Balances up to $10,000 receive APY* of 2.00%; and balances over $10,000 earn 0.20% interest rate on the portion of balance over $10,000. When Kasasa Cash qualifications are not met, all balances earn 0.01% APY. *When linked to the 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. APY = Annual Percentage Yield. APYs accurate as of 10/13/2016. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. $100.00 minimum deposit is required to open the account. Account approval, conditions, qualifications and other requirements apply. Rewards vary based on account. Limit one account per social security number. To qualify for rewards, including the ATM Fee refund, each monthly qualifying cycle, you must have 12 debit card purchases post and settle, log in once to online banking, and agree to receive statements electronically. To sign up for electronic statements and login to online banking, you must enroll at www.harvestbankmn.com. ATM fee refund is capped at $25/monthly qualification cycle and will be refunded at the end of the statement cycle.

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