Georgia Banking Company is proud to offer the best free checking account in the country. Kasasa Cash® gives you rewards that you really want. It pays high interest each month and refunds your ATM fees, nationwide.*
Link your Kasasa Cash account to Kasasa Saver® for automatic reward transfers, so you can easily save without tightening your belt — all for doing banking basics you probably do anyway. So don't just bank — Kasasa®!
- Free checking that pays high interest
- 2.25% APY* on balances below $25,000
- 2.25% to 1.32% APY on balances equal to or greater than $25,000 depending on balance in account*
- 0.02% APY* if qualifications aren't met
- Unlimited refunds on ATM withdrawal fees, nationwide*
- Link to free Kasasa Saver® to build savings automatically
- No minimum balance to earn rewards
- No monthly maintenance fee
- Free online banking & bill pay
- Free eStatements
- Free mobile banking with mobile deposit
- Free debit card
- Unlimited check writing
- $100 minimum deposit to open
- Competitive rates
Earning Your Rewards Is a Piece of Cake!
Qualifying for your full rewards requires no more than using the free services that come with your account. 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 eStatements
That's all. 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!
See our Kasasa Monthly Qualification Cycle dates here.
*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) 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 below $25,000 receive APY of 2.25%; and balances equal to or greater than $25,000 earn 1.00% interest rate on the portion of the balance equal to or greater than $25,000, resulting in a range from 2.25% to 1.32% APY depending on the account’s balance and (2) you will receive reimbursements for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM 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. When Kasasa Cash qualifications are not met, all balances in the account earn 0.02% APY and ATM withdrawal fees are not refunded. Interest and ATM withdrawal 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 9/26/2019. 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 and other requirements apply. $100.00 minimum deposit is required to open the account. Enrollment in online banking and receipt of electronic statements are conditions of this account. Enrollment in electronic services (e.g. online banking and electronic statements) may be required to meet some of the account’s qualifications. Limit one account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank 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.