Free Kasasa Cash Back®

Open a Kasasa Cash Back® account now!

Free Kasasa Cash Back®

Choose free checking that pays you back – and refunds your ATM withdrawal fees when your account qualifies!1

Shopping is a lot more fun with free Kasasa Cash Back® checking, and each Monthly Qualification Cycle that you qualify, earn 2.00% cash back on your everyday debit card purchases, up to $72 cash back per year!1 Each cycle that you qualify, you’ll also get cash back in the form of refunds on ATM withdrawal fees, nationwide1. So you can get to your money when and where you need it.

The other benefits of this account are:

  • 2.00% cash back on debit card purchases each cycle that your account qualifies1
    • No category restrictions on purchases
    • Cash back earned on up to $300 in purchases each cycle that your account qualifies1
    • Earn up to $72 cash back per year, up to $6 per month
  • Refunds on ATM withdrawals fees, nationwide each cycle that your account qualifies1
  • Can link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly service fee
  • Unlimited check writing
  • Free Online Banking2
  • Free Bill Pay2
  • Free Mobile Banking2
  • Free Remote Deposit2
  • Free Telephone Banking2

Looking for more benefits? Check out Kasasa Saver!

1APY=Annual Percentage Yield. APYs accurate as of Tuesday, Dec 6, 2022. Kasasa rates and rewards are variable and may change after account is opened. No minimum to open any Kasasa 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. “Statement Cycle” means the period of time for which Bay State Savings Bank provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. Kasasa Cash Back: If monthly qualifications are met, you will receive 2% cash back on debit card purchases that post and settle to account during Monthly Qualification Cycle up to a total cash back of $6 per Monthly Qualification Cycle. Qualifying transactions must post and settle to account during the Monthly Qualification Cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. ATM-processed transactions do not count towards qualifying debit card transactions. If held jointly with a Kasasa Saver account, Kasasa Cash Back rewards will be credited to your Kasasa Saver account on the last day of the Monthly Statement Cycle. Nationwide ATM fees incurred during qualification cycle will be reimbursed up to $20 ($5.00 per single transaction) if qualifications are met within Monthly Qualification Cycle. Transfers between accounts do not count as qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Limit one account per SSN. Fees may reduce earnings.

2Standard internet/telephone carrier rates and fees apply.

Please refer to Bay State Savings Bank Retail Fee Schedule for current fees and charges.

Visit our Additional Services Page for information regarding our ATM services.

Each depositor is insured by the FDIC to at least $250,000. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF).