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Earn high interest and refunds on ATM withdrawal fees, nationwide.*

We're happy to provide you with banking solutions you won't find just anywhere. Take our free Kasasa Cash® checking account — it has no monthly maintenance charge and pays you in high interest and refunds on ATM withdrawal fees.

It's all part of the perks of banking within your community. Open your account today to start earning right away when you do a few easy banking basics.

Please note that you must maintain a valid email address on record with us in order to open and maintain this account.

Earn Your Rewards Easily!

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

Missed a qualification? No problem! Your account is still free, and you'll still earn our base interest rate. Then you can start earning your full rewards again the very next month!

For more clarification, please see our Qualifications Calendar.

Do you currently have an account with First National Bank and Trust?

*APY=Annual Percentage Yield. APYs accurate as of 05/16/2020. Rates may change after account is opened. Fees may reduce earnings. Minimum to open is $50 for Kasasa Cash and $50 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) ATM fees incurred during qualification cycle will be reimbursed up to $25 (up to $9.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 1.51%; and (3) balances over $10,000 earn 0.15% interest rate on the portion of the balance over $10,000, resulting in 1.51% - 0.15% APY depending on the balance. For example, if the account balance was $110,000, the APY would be 0.27%. If qualifications are not met on Kasasa Cash all balances earn 0.01% APY. Qualifying transactions must post and settle to Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count toward qualifying debit card transactions. Monthly qualification cycle is not the same as monthly statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash account are met each monthly qualification cycle, Kasasa Saver earns: (1) 0.15% APY on all balances. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver account earn 0.01% APY. ATM fee refunds (checking account only) up to $25 provided only if qualifications are met within the monthly qualification cycle and will be credited to the account on the last day of the monthly statement cycle. Available on personal accounts only. Limit one account per Social Security Number.

**Standard three-day delivery is free and next day delivery costs $1.50.  $0.50 to request money and $0.50 - $1.50 to receive money based on the amount.

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