Free Kasasa Cash Back® Checking


Go shopping and let us pay you back. Free Kasasa Cash Back® checking pays you 3% cash back (up to $7.50)* each month on your everyday debit card purchases.

You’ll also get cash back in the form of refunds on your ATM fees, nationwide.* And you’ll never have a monthly service fee to worry about. Just rewards that matter for doing banking basics. Do you Kasasa?®


  • Free checking that pays you back
  • 3% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $250 in purchases monthly
    • Earn up to $7.50 cash back per month
  • Refunds on ATM fees, nationwide (up to $25 monthly)*
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking
  • Free bill pay
  • Free eStatements
  • Free mobile banking
  • Free debit card
  • Unlimited check writing
  • $50 minimum deposit to open

It’s Easy to Qualify For Your Rewards!

Just have the following transactions and activities post and settle to your free Kasasa Cash Back account each monthly qualification cycle:

  • At least 10 debit card purchases of $5 or greater
  • At least 1 direct deposit or automatic payment (ACH)
  • Be enrolled and agree to receive eStatements

That’s all there is to it. And don’t worry if you don’t meet your qualifications during the month — there are no penalties, and your account is still free. And you can get right back to earning your cash rewards the very next month!

 The Details:

*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 The First National Bank and Trust Company of Rochelle as ATM transactions and purchases made with non-First National Bank and Trust Company of Rochelle-issued debit cards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.

Reward Information:  When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 3.00% cash back on debit card purchases up to a total of $250.00 of debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back may be earned per Monthly Qualification Cycle.  You will also receive reimbursements up to $25.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher.

When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded.   Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of statement cycle.  Rates and rewards are variable and may change after account is opened.

Additional Information:  Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50.00 minimum deposit is required to open the account. Monthly receipt of electronic statements may be a condition of this account. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit 1 account per social security number / individual taxpayer identification number. There are no recurring monthly service charges or fees to open or close this account.  Contact a First National Bank and Trust Company of Rochelle service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash Back are trademarks of BancVue, Ltd., registered in the U.S.A.