kasasa cash back free checking account

Kasasa Cash Back

Get free checking that boosts your buying power from The First National Bank.

Kasasa Cash Back refunds ATM fees* — not just in Mattoon, Illinois or Indiana, but nationwide! Plus you earn 2% cash back on everyday debit card purchases.

There is no monthly service fee or minimum balance to earn the ATM fee refunds or cash back. While other banks are taking away free checking, we're making ours better than free.

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  • Get 2% cash back on debit card purchases*
  • No category restrictions; cash back available on all purchases
  • Nationwide ATM fee refunds (up to $30)*
  • Never a monthly service fee
  • No minimum balance to earn rewards
  • Free online banking
  • Free paperless eStatements
  • $100 minimum deposit to open


Just by doing simple things most of us do already, your free checking account pays you cash back! Simply do the following each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle your account
  • Have at least 1 automatic payment or direct deposit post and settle your account
  • Be enrolled and receive eStatement notice
  • Be enrolled and log on to our online banking

Nothing to it. But if you don't qualify, don't worry. You're account is still free, and you can get back to earning the rewards the very next cycle.

*Minimum to open Kasasa Cash Back is $100. When monthly qualifications are met, you receive 2% cash back on debit card purchases that post and settle to the account during monthly qualification cycle up to a total cash back of $10 per monthly qualification cycle. Qualifying transactions must post and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to the account. ATM-processed transactions do not count toward qualifying debit card transactions. "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. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $30 if qualifications are met within monthly qualification cycle. ATM receipt must be presented for reimbursement of ATM fees of $5.00 or higher. Transfers between accounts do not count as qualifying ACH transactions. PIN based ATM withdrawals do not count towards qualifying debit card transactions. Available as a personal account only. No minimum balance required to earn rewards or maintain account.