Kasasa Benefits and Terms
Kasasa Cash
Benefits:
• A free checking account with really high interest
• 2.00% APY* on balances up to $10,000
• 0.27% to 2.00% APY on balances over $10,000 depending on balance in account*
• 0.05% APY* if qualifications aren't met
• UNLIMITED refunds on ATM fees, nationwide*
• Link your checking account to a high-rate Kasasa Saver® account to start saving automatically
• No minimum balance to earn rewards
• No monthly service fee
• Free online banking
• Free e-statements
• Unlimited check writing
• Free debit card
• Free mobile banking
• $25 minimum deposit to open
It’s easy to earn your rewards!
To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:
• Have at least 12 debit card purchases post and settle
• Be enrolled in and agree to receive e-statements
• Be enrolled in and log into online banking or mobile banking at least once each cycle
That’s really it. Didn’t meet your qualifications this cycle? Your Kasasa Cash account is still free. And you’ll still earn our base interest rate on your balance. Start earning your rewards again next monthly cycle!
*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 Baybank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by Baybank. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.
Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $10,000 receive APY of 2.00%; and balances over $10,000 earn .05% interest rate on the portion of balance over $10,000, resulting in a range from .27% to 2.00% APY depending on the account’s balance and (2) you will receive unlimited reimbursements for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Cash qualifications are not met, all balances in the account earn .05% APY and ATM fees are not refunded. Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 04/01/2016. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.
Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25.00 minimum deposit is required to open the account. Enrollment in online banking, receipt of electronic statements are conditions of this accounts. 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. There are no recurring monthly service charges or fees to open or close this account. Contact one of our Baybank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
Kasasa Cash Back
Benefits:
• A free checking account that pays you back
• 4.00% cash back on debit card purchases*
• Cash back earned on up to $200 in purchases monthly
• Earn up to $96 per year, $8 cash back per month
• No category restrictions on purchases
• UNLIMITED refunds on ATM fees, nationwide*
• Link your account to a high-rate Kasasa Saver® account to start saving automatically
• No minimum balance to earn rewards
• No monthly service fee
• Free online banking
• Free e-statements
• Unlimited check writing
• Free debit card
• Free mobile banking
• $25 minimum deposit to open
Get rewarded for banking basics!
To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:
• Have at least 12 debit card purchases post and settle
• Be enrolled in and agree to receive e-statements
• Be enrolled in and log into online banking or mobile banking at least once each cycle
Getting your rewards is easy. Don’t worry if you didn’t meet your qualifications this month — your account is still free! Be eligible to start earning your rewards again next monthly qualification cycle.
*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 Baybank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by Baybank. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business 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) 4.00% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. You will also receive unlimited reimbursements for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within sixty (60) 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 current 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. $25.00 minimum deposit is required to open the account. Enrollment in online banking, receipt of electronic statements are conditions 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. There are no recurring monthly service charges or fees to open or close this account. Contact one of our Baybank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC . Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
Kasasa Tunes
Benefits:
• Get refunds for your iTunes, Amazon, and Google Play purchases
• Earn $8 in refunds for iTunes®, Amazon®, or Google Play™ purchases each month*
• Get $10 in refunds for iTunes, Amazon, or Google Play purchases when you open your account*
• UNLIMITED refunds on ATM fees, nationwide*
• No minimum balance to earn rewards
• No monthly service fee
• Free online banking
• Free e-statements
• Unlimited check writing
• Free debit card
• Free mobile banking
• $10 minimum deposit to open
Earn rewards for things you’re probably already doing!
To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:
• Have at least 12 debit card purchases post and settle
• Be enrolled in and agree to receive e-statements
• Be enrolled in and log into online banking or mobile banking at least once each cycle
That’s really it. If you don’t meet your monthly qualifications this month — don’t worry! Your account is still free and you’ll be eligible to earn your rewards again next monthly qualifications cycle!
*Sign Up Bonus: When you open and fund your Kasasa Tunes account, you will be refunded up to an aggregate total of $10.00 (which includes any applicable taxes) for iTunes, Amazon.com, Google Play purchases, made with your Kasasa Tunes debit card that post and settle to your account during the first 60 calendar days after your account is opened. This refund will be credited to your account on the last day of the statement cycle in which your aggregate iTunes, Amazon.com, Google Play purchase threshold of $10.00 posts and settles to your account. Any portion of the Sign Up Bonus that is not used within the stated time period will be forfeited. $10 minimum deposit is required to open the account. No minimum balance is required to obtain this bonus.
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 Baybank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by Baybank. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.
Reward Information: When Kasasa Tunes qualifications are met during a Monthly Qualification Cycle: you will earn up to an aggregate total of $8.00 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your Kasasa Tunes debit card and must post and settle to your account no more than 1 day after the Monthly Qualification Cycle in which you qualified ends. In addition, you will receive unlimited ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Tunes qualifications are not met, iTunes, Amazon.com, Google Play purchases and ATM fees are not refunded. iTunes, Amazon.com, Google Play refunds and ATM fee reimbursements will be credited to your account on the last day of the current statement cycle in which these purchases post and settle to your account and the ATM fees were incurred. Rewards are variable and may change after account is opened. Fees may reduce earnings.
Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $10.00 minimum deposit is required to open the account. enrollment in online banking, receipt of electronic statements are conditions of this accounts. 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. There are no recurring monthly service charges or fees to open or close this account. Contact one of our Baybank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com Inc.. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com Inc. and Google, Inc. are not participants in or sponsors of this program. Kasasa and Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A.
Kasasa Saver
Benefits:
• Free account that builds your savings effortlessly
• Automatic transfers of ATM fee refunds from Kasasa Cash® or Kasasa Cash Back
• 0.75% APY* on balances up to $10,000
0.16% to 0.75% APY on balances over $10,000 depending on balance in account*
0.05% APY* if qualifications are not met
• No monthly service fee
• No minimum balance to earn rewards
• Free online banking
• Free e-statements
• Free mobile banking
• No minimum deposit to open
It’s easy to get your rewards each month!
Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. To earn your rewards just do the following transactions and activities in your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
• Have at least 12 debit card purchases post and settle
• Be enrolled in and agree to receive e-statements
• Be enrolled in and log into online banking or mobile banking at least once each cycle
That’s all there is to it! Didn’t meet your qualifications this monthly cycle? Still avoid any monthly service fees on any of your Kasasa® accounts and earn the base interest rate on your Kasasa Saver balance. Get right back to earning your rewards next monthly qualification cycle.
*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 Baybank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by Baybank. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.
Reward Information: When your Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the current statement cycle: Kasasa Saver: Balances up to $10,000 receive APY of .75%; and balances over $10,000 earn .10% interest rate on the portion of balance over $10,000, resulting in a range from .75% to .16% APY depending on the account’s balance. Kasasa Cash: Balances up to $10,000 receive a non-compounding APY* of 2.00%; and balances over $10,000 earn .05% interest rate on the portion of balance over $10,000 resulting in a non-compounding range from 2.00% to .27% APY* depending on the account’s balance. Kasasa Cash Back: 4% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. When Kasasa Cash and Cash Back qualifications are not met, Kasasa Saver: All balances earn .10 APY. Kasasa Cash: All balances earn a non-compounding APY* of .05% Kasasa Cash Back: No cash back payments are made. *When linked to the Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is 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’s balance is less than the transferred amount when transfer occurs. APY = Annual Percentage Yield.APYs accurate as of 01/01/2016. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.
Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25.00 minimum deposit is required to open the account. Enrollment in online banking, receipt of electronic statements are conditions of these accounts. 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. A Cash or Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close this account. Contact one of our Baybank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
