Kasasa Saver

• Linked to free Kasasa Cash or Kasasa Cash Back account
• Automatic transfer of Kasasa Cash or Kasasa Cash Back rewards for built-in savings
• 1.01% APY* on balances up to $12,000
• 1.01% - 0.56% APY* on balances over $12,000 depending on balance in account
• 0.01% APY* if qualifications aren't met
• No minimum balance to earn rewards
• No monthly service fee
• Free online banking
• Free eStatements
• $50 minimum deposit to open

Qualifications

There are no extra qualifications to get the Kasasa Saver reward rate. If you qualify for Kasasa Cash or Kasasa Cash Back rewards, you automatically get the highest Saver rates too! Simply do the following each monthly qualification cycle:

• Have at least 12 debit card purchases post and clear
• Log in to online banking at least once
• Receive free eStatements

If you don't meet the qualifications, don't worry. There's no penalty. Plus both accounts are still free and earn our base rate of interest. And you can get back to earning all the Kasasa rewards the very next month.

Kasasa Saver with Kasasa Cash

*APY=Annual Percentage Yield. APYs accurate as of 11/01/2012. Rates may change after account is opened. Minimum to open is $50 for Kasasa Cash and $50 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle, domestic ATM fees incurred during qualification cycle will be reimbursed up to $15 and credited to account on the last day of monthly statement cycle. Qualifying transactions must post to and clear 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 clear account. "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. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $12,000 in Kasasa Saver receive an APY of 1.01%; and (2) balances over $12,000 in Kasasa Saver earn 0.51% interest rate on portion of balance over $12,000, resulting in 1.01% - 0.56% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.01% APY. Monthly direct deposit or automatic payment (ACH) required to have these accounts. ATM receipt must be presented for reimbursement of ATM fees of $5.00 or higher.

Kasasa Saver with Kasasa Cash Back

*APY=Annual Percentage Yield. APYs accurate as of 11/01/2012. Rates may change after account is opened. Minimum to open is $50 for Kasasa Cash Back and $50 for Kasasa Saver. When monthly qualifications are met, you will receive 3% cash back on debit card purchases that post to and clear account during monthly qualification cycle up to a total cash back of $12 per monthly qualification cycle. Domestic ATM fees incurred using Kasasa Cash Back debit card during qualification cycle will be reimbursed up to $15 if qualifications are met within monthly qualification cycle. Qualifying transactions must post to and clear account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and clear an account. "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. Kasasa Cash Back rewards from Kasasa Cash Back account are automatically transferred to Kasasa Saver account at the beginning of the following statement cycle. If qualifications in Kasasa Cash Back account are met each monthly qualification cycle: (1) balances up to $12,000 in Kasasa Saver account receive an APY of 1.01%; and (2) balances over $12,000 in Kasasa Saver account earn 0.51% interest rate on the portion of the balance over $12,000, resulting in 1.01% -0.56% APY depending on the balance. If qualifications are not met on Kasasa Cash Back, all balances in the Kasasa Saver account earn 0.01% APY. Monthly direct deposit or automatic payment (ACH) required to have these accounts. ATM receipt must be presented for ATM fees of $5.00 or higher. Limit one account per SSN.