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Personal Checking Accounts

Free Kasasa Cash® Checking

It's so easy to qualify, you're probably already doing it!

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 or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements

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!

Free Kasasa Cash Back® Checking

  • Free checking that pays you back
  • 2.00% cash back on debit card purchases*
  • No category restrictions on purchases
  • Cash back earned on up to $400 in purchases monthly
  • Earn up to $96 cash back per year, $8 per month 
  • Refunds on ATM withdrawal fees nationwide - up to $25 monthly, $4.99 per transaction*
  • 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 fees
  • Free online banking
  • Free e-statements
  • Free Mastercard® debit card
  • No minimum deposit to open

It's so easy to qualify, you're probably already doing it!

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 1 direct deposit or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements

That's it. 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!

See full disclaimer below.

Personal Checking Account

  • No minimum balance required.
  • First book of checks FREE at account opening
  • Unlimited withdrawals
  • MasterCard® Debit or ATM card
  • FREE Online Banking with e-statements available
  • $5 charge for paper statements (if not enrolled in e-statements)

NOW Account

  • Minimum deposit of $100 to open account
  • Competitive interest rates
  • First book of checks FREE at account opening
  • MasterCard® Debit or ATM card
  • FREE Online Banking with e-statements available
  • Maintain $750.00 minimum balance to avoid service charge.
  • $7.50 service charge if balance falls below $750.00.
  • Detailed monthly statements with check images

Super NOW Account

  • Minimum deposit of $100 to open account
  • Competitive interest rates
  • First book of checks FREE at account opening
  • MasterCard Debit or ATM card
  • FREE Online Banking with e-statements available
  • Maintain $1,500.00 minimum balance to avoid service charge.
  • $10.00 service charge if balance falls below $1,500.00.
  • Detailed monthly statements with check images

BOC Prestige Account

  • Minimum deposit of $100 to open account
  • Competitive interest rates
  • First book of checks FREE at account opening
  • MasterCard Debit or ATM card
  • FREE Online Banking with e-statements available
  • Maintain $5,000.00 minimum average daily balance to avoid service charge.
  • $12.50 service charge if average daily balance falls below $5,000.00.
  • Unlimited check writing
  • 50% off bank checks
  • 25% off safe deposit boxes
  • 1/4% off consumer loans
  • No charge on money orders or cashier's checks
  • Detailed monthly statements with check images

Kasasa® 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) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.

Reward Information:

Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:

*Kasasa Cash: daily balances up to and including $10,000.00 receive an APY of 2.00%; and daily balances over $10,000.00earn an interest rate of .25% on the portion of the daily balance over $10,000.00, resulting in a range from 2.00% to .41% APY depending on the account's daily balance.

*Kasasa Cash Back: you will receive 2% cash back on up to a total of $400.00 [PIN-based/signature-based] debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back payments may be earned per Monthly Qualification Cycle.

*You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash or Kasasa Cash Back 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.

Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and:

Kasasa Cash: the entire daily balance in the Kasasa Cash account earns .05% APY.

Interest will be credited to your Kasasa Cash and Kasasa Saver accounts on the last day of the current statement cycle.

The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.

If Kasasa Cash or Kasasa Cash Back are linked to Kasasa Saver, the following also apply:

Kasasa Cash: When linked to a Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account balance is less than the transferred amount when the transfer occurs.

Kasasa Cash Back: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.

APY = Annual Percentage Yield.

Additional Information:

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

No minimum deposit is required to open the account.

Monthly Direct Deposit/ACH credit, be enrolled in online banking and have agreed to receive e-statements, have at least 12 debit card purchases, and maintain a valid email address with us are conditions of a Kasasa Saver's linked Kasasa Cash or Kasasa Cash Back account.

There are no recurring monthly maintenance charges or fees to open or close this account, unless closed within the first 90 days.

A Kasasa Cash or Kasasa Cash Back account is required in order to have a Kasasa Saver account.

A linked Kasasa Saver account is required for automatic savings.

Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

BANK OF COMMERCE, Member FDIC.

Trademarks:

Experian is a registered trademark of Experian Information Solutions, Inc.

Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Saver and Kasasa Protect are trademarks of Kasasa, Ltd., registered in the U.S.A.