Kasasa Saver Checking Account
Build your savings with no extra effort. Kasasa Saver® connects to your free Kasasa Cash® or Kasasa Cash Back® checking to help you save automatically.
Each month you earn rewards in your Kasasa® checking, those earnings auto-transfer into your Kasasa Saver account. Kasasa Saver also earns up to 0.50% APY!*
Kasasa Cash® with Kasasa Saver®
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Kasasa Cash Back® with Kasasa Saver®
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Benefits
- Free account that builds your savings automatically
- Linked to free Kasasa Cash® or Kasasa Cash Back® account
- Automatic transfers of Kasasa Cash or Kasasa Cash Back rewards
- 0.50% APY* on balances up to $20,000
- 0.50% to 0.29% APY on balances over $20,000 depending on balance in account*
- 0.05% APY* if qualifications are not met on Kasasa Cash or Kasasa Cash Back
- No minimum balance to earn rewards
- No monthly service fee
- Free online banking
- Free mobile banking
- Free E-Statements
- $100 minimum deposit to open
It's Easy to Earn Rewards!
Just meet some basic qualifications. Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. To earn your rewards, simply do the following activities and transactions in your Kasasa Cash or Kasasa Cash Back account each monthly qualification cycle:
- Have at least 12 debit card purchases post and settle
- Be enrolled and log into online banking
- Be enrolled and receive E-Statement notice
That's all! Even if you don't meet your qualifications in a month, your Kasasa accounts are still free. Plus, you'll earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month!
Kasasa Cash® with Kasasa Saver®
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Kasasa Cash Back® with Kasasa Saver®
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Qualifications Information: Account transactions and activities may take one or more Business 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 First Capital Bank of Kentucky as ATM transactions or transactions and purchases made with non-First Capital Bank of Kentucky 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 your Kasasa Cash or 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 statement cycle:
- Kasasa Saver: Balances up to $20,000 receive APY of 0.50%; and balances over $20,000 earn 0.25% interest rate on the portion of balance over $20,000, resulting in a range from 0.29% to 050% APY depending on the account's balance.
- Kasasa Cash: Balances up to $20,000 receive APY of 2.00%; and balances over $20,000 earn 0.25% interest rate on the portion of balance over $20,000, resulting in a range from 0.29% to 2.00% APY depending on the account's balance.
- Kasasa Cash Back: 2.50% cash back on up to a total of $300.00 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.
When Kasasa Cash or Cash Back qualifications are not met,
- Kasasa Saver: All balances earn 0.05% APY.
- Kasasa Cash: All balances earn 0.05% APY*. Interest will be credited to your Kasasa Cash account on the last day of the statement cycle and then automatically transferred to your Kasasa Saver account the following day.
- 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. Consequently, when linked to Kasasa Saver, and your Kasasa Cash qualifications are met, balances up to $20,000 in your Kasasa Cash account receive a non-compounding APY of 1.98% and balances over $20,000 earn 0.25% interest rate on the portion of the balance over $20,000, resulting in a non-compounding range from 0.54% to 1.98% APY depending on the account's balance.
The Kasasa Saver APYs may be less than the Kasasa Cash APYs. APY = Annual Percentage Yield. APYs accurate as of 02/18/2015. 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. $100 minimum deposit is required to open the account. Monthly enrollment in online banking and 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. A Kasasa Cash or Kasasa 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 a First Capital Bank of Kentucky service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa & Kasasa Cash Back are trademarks of BancVue, Ltd., registered in the U.S.A.
