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Free Kasasa Cash

Choose free checking that pays high interest and refunds on ATM withdrawal fees when your account qualifies.1

We basically pay you to bank here. By doing banking basics that you probably already do, your Free Kasasa Cash® checking account can earn up to 2.01% APY1. You'll also get refunds on your ATM withdrawal fees, nationwide, each Monthly Qualification Cycle1 that you qualify - so every ATM can be your ATM.2

The benefits of this account are:

  • 2.01% APY on balances up to $20,000 each cycle that you qualify1
  • 2.01% to 0.54% APY on balances over $20,000 depending on balance in account each cycle that you qualify1
  • 0.05% APY if qualifications aren't met
  • Unlimited refunds on ATM withdrawal fees, nationwide each cycle that you qualify2
  • Can link to free Kasasa Saver® to build savings automatically
  • No monthly service charge
  • Unlimited check writing
  • Free Online Banking3
  • Free Bill Pay3
  • Free Mobile Banking3
  • Free Remote Deposit3
  • Free Telephone Banking3

And earning your rewards is easy!

  • Have at least 12 PIN-based debit card purchases post and settle
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

But if you don't meet these qualifications, don't worry.

Your account is still free. Plus, you'll still earn our base interest rate. And you can get back to earning your full rewards the very next cycle that you qualify.

Link to Kasasa Saver for even more benefits! 

Open your account online in minutes!

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1Earn 2.01% Annual Percentage Yield (APY) on balances up to $20,000.00 in each Monthly Qualification Cycle that your account qualifies. The portion of your balance above that cap will earn at a 0.25% interest rate resulting in a range from 2.01% to 0.54% APY, depending on the account's balance, each cycle that your account qualifies. Earn 0.05% APY in cycles that your account does not qualify. "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. "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. For example, the Statement Cycle for this account typically runs from the 6th of the current month through the 5th of the following month.  If the end date of the Statement Cycle falls on a Saturday or Sunday, the end date of the Statement Cycle is instead the Friday before, and the next Statement Cycle will commence the day after that. Rates are current as of Sunday, September 15, 2019. Rates and rewards are subject to change and may change after account is opened. Fees may reduce earnings.

2Unlimited Nationwide ATM fee refunds offered in qualifying cycles (receipt required for ATM fees over $4.99 and for fee transactions incurred at Smart ATMs capable of distributing currency in less than $5.00 denominations). ATM fees will not be refunded in Monthly Qualification Cycles that you do not meet the qualification requirements.

3Standard 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).