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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 Company?

*APY=Annual Percentage Yield. APYs accurate as of 5/16/2020. Rates may change after account is opened. Fees may reduce earnings. Minimum to open is $50. If qualifications are met each monthly qualification cycle: (1) ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive an interest rate of 1.50% and APY of 1.51%; and (3) balances over $10,000 earn 0.15% interest rate on portion of 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, all balances earn 0.01% interest rate and 0.01% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an 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. If qualifications are not met on Kasasa Cash you will not receive the highest rate of interest and ATM fees are not refunded. ATM fee refunds 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. ATM Refunds up to $25 (up to $9.99 per single transaction) Available on personal accounts only. Limit one account per Social Security Number.

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