Checking Accounts

Find the Right Account for You!

Your checking and savings accounts should fit your lifestyle. We offer numerous checking options to help you find the perfect fit!

Checking Accounts

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Kasasa Checking Accounts

Basic Checking Options

Kasasa Cash:

*APY=Annual Percentage Yield. APYs accurate as of 12/3/2024. Rates may change after account is opened. Minimum to open is $1.00. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle. ATM refunds are automatically transferred to Kasasa Saver each statement cycle. (2) Balances up to $25,000 receive APY of 3.30%; and (3) balances over $25,000 earn 0.50% interest rate on the portion of the balance over $25,000, resulting in 3.30% APY – 1.05% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances earn 0.10% APY. Qualifying transactions must post to and settle to your 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. ATM-processed transactions do not count toward qualifying debit card transactions. This account is intended to be the account holder's primary checking account in which automatic deposit/withdrawals and day-to-day spending activities occur. This includes, but is not limited to: grocery, gasoline, apparel, shopping, dining, and entertainment transactions. Commensurate with the spending activities identified above, we expect the accounts debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal day-to-day spending behavior. These type of transactions appear to be conducted with the sole purpose of qualifying for the accounts rewards and thus will be deemed inappropriate, and transactions and will not count toward earning the account's rewards. Iowa State Bank reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Account holders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their account converted to a different account or closed. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.  

Kasasa Cash Back: Minimum to open is $1.00. When monthly qualifications are met, you receive 2.75% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $5.50 per monthly qualification cycle. 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 account. ATM-processed transactions do not count toward qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 if qualifications are met within monthly qualification cycle. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

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