Add free Kasasa Saver® to your Kasasa® checking account for automatic rewards transfers — and a whopping 1.00% APY*!

Details
  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash® or Kasasa Cash Back® checking
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
  • 1.00% APY* on balances up to $5,000
  • 1.00% to 0.24% APY on balances over $5,000 depending on balance in account*
  • 0.05% APY* if qualifications are not met on Kasasa Cash or Kasasa Cash Back
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking
  • Free mobile banking
  • Free eStatements
  • $50 minimum deposit to open

Easy Banking Basics Are Your Key to Rewards!

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa accounts are still free. Plus, you'll still 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:

*Kasasa Cash-a free variable rewards checking account with no minimum balance that rewards accountholders with cash back on their debit card purchases and nationwide ATM fee refunds when they meet minimum qualifications during the account’s Monthly Qualification Cycles.  When Kasasa Cash qualifications are met during a Monthly Qualification Cycle, Kasasa Cash:  An interest rate of 1.7500% will be paid on the portion of your daily balance that is less than or equal to $5,000 and the non-compounding Annual Percentage Yield for this tier is 1.7500%.  Tier 2:  An interest rate of .2000 will be paid on the portion of your daily balance that is greater than $5,000 resulting in non-compounding annual percentage yield for this tier ranging from 1.7500% to .2000%, depending on the account’s balance. Kasasa Saver- A free, variable rate, deposit account with no minimum balance that rewards accountholders with interest when they meet the minimum qualifications associated with their linked Kasasa Cash checking account during each Monthly Qualification Cycle. Interest will be compounded on a monthly basis in your Kasasa Saver account.  Interest will be credited to your Kasasa Saver account on the last day of the current Statement Cycle.  Interest begins to accrue on the Business Day you deposit noncash items (for example, checks).  When Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, Tier 1:  An interest rate of .9954 will be paid on the portion of your daily balance in your Kasasa Saver account that is less than or equal to $5,000 and the annual percentage yield for this tier is 1.0000%.  Tier 2: An interest rate of .1998% will be paid on the portion of your daily balance in your Kasasa Saver account that is greater than $5,000 resulting in an annual percentage yield for this tier ranging from 1.00% to .2400%, depending on the account’s balance.  When your Kasasa Cash account qualifications are not met the interest rate paid on the entire balance will be .0499 with an annual percentage yield of .0500%.  Earn rewards by having the following transactions and activities in your Kasasa Cash Bank account during each Monthly Qualification Cycle:  Have at least 12 debit card purchases post and settle, be enrolled in and agree to receive e-Statements, be enrolled in and log into online banking.  Transactions and activities may take one (1) or more Business Days from the date the transaction or activity occurred to post and settle to the account.  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, debit card 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.  “Statement Cycle” means the period of time for which Citizens National Bank of Cheboygan provides a summary of the financial activities and transactions that post and settle to the accountholder’s account.  APY = Annual Percentage Yield.  Rates and rewards are variable and at our discretion may change after account is opened without notice to you.  Fees may reduce earnings.  APY calculations are based on an assumed total account balance of $110,000.  $50 minimum deposit is required to open the account. You must have a Kasasa Cash account in order to open a Kasasa Saver account.   This account is not to be used for commercial purposes and there is a limit of 1 account per social security number.  Enrollment in electronic services (e.g. online banking, electronic statements) may be required to meet some of this account’s qualifications.  There are no fees to open or close this account.  There are no recurring monthly service charges associated with this account.  Account approval, qualifications, limits and other requirements apply.  Member FDIC.  Kasasa, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Cash Back with Kasasa Saver:

*Kasasa Cash Back-a free variable rewards checking account with no minimum balance that rewards accountholders with cash back on their debit card purchases and nationwide ATM fee refunds when they meet minimum qualifications during the account’s Monthly Qualification Cycles.  When Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, receive 4% cash back on up to a total of $200 debit card purchases that post and settle to the account during that cycle period up to a maximum cash back earned of $8 per Monthly Qualification Cycle.  Kasasa Saver- A free, variable rate, deposit account with no minimum balance that rewards accountholders with interest when they meet the minimum qualifications associated with their linked Kasasa Cash Back checking account during each Monthly Qualification Cycle. Interest will be compounded on a monthly basis in your Kasasa Saver account.  Interest will be credited to your Kasasa Saver account on the last day of the current Statement Cycle.  Interest begins to accrue on the Business Day you deposit noncash items (for example, checks).  When Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, Tier 1:  An interest rate of .9954 will be paid on the portion of your daily balance in your Kasasa Saver account that is less than or equal to $5,000 and the annual percentage yield for this tier is 1.0000%.  Tier 2: An interest rate of .1998% will be paid on the portion of your daily balance in your Kasasa Saver account that is greater than $5,000 resulting in an annual percentage yield for this tier ranging from 1.00% to .2400%, depending on the account’s balance.  When your Kasasa Cash Back account qualifications are not met   the interest rate paid on the entire balance will be .0499 with an annual percentage yield of .0500%.  Earn rewards by having the following transactions and activities in your Kasasa Cash Bank account during each Monthly Qualification Cycle:  Have at least 12 debit card purchases post and settle, be enrolled in and agree to receive e-Statements, be enrolled in and log into online banking.  Transactions and activities may take one (1) or more Business Days from the date the transaction or activity occurred to post and settle to the account.  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, debit card 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.  “Statement Cycle” means the period of time for which Citizens National Bank of Cheboygan provides a summary of the financial activities and transactions that post and settle to the accountholder’s account.  APY = Annual Percentage Yield.  Rates and rewards are variable and at our discretion may change after account is opened without notice to you.  Fees may reduce earnings.  APY calculations are based on an assumed total account balance of $110,000.  $50 minimum deposit is required to open the account. You must have a Kasasa Cash Back account in order to open a Kasasa Saver account.   This account is not to be used for commercial purposes and there is a limit of 1 account per social security number.  Enrollment in electronic services (e.g. online banking, electronic statements) may be required to meet some of this account’s qualifications.  There are no fees to open or close this account.  There are no recurring monthly service charges associated with this account.  Account approval, qualifications, limits and other requirements apply.  Member FDIC.  Kasasa, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.