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  Free Kasasa Cash Checking

Free Kasasa Cash Checking

in Checking Accounts from One American Bank · fdic

Unaffiliated

Free Kasasa Cash Checking

Unaffiliated

in Checking Accounts from One American Bank · Member FDIC

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Monthly Fee $0
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee Starting at $0
APY (Annual Percentage Yield) 0.01% - 1.5%

Free Kasasa Cash Checking Review

Free Kasasa Cash Checking is offered by One American Bank, a bank founded in 1883 and based in Centerville, SD. Free Kasasa Cash Checking is available in 50 states (and Washington, DC).

Key Takeaways
  • Very high APY. This account offers an annual percentage yield of up to 1.5%, which is much higher than the average for a checking account.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • No ATM fees. Free Kasasa Cash Checking does not charge fees on ATM transactions.
  • Up to $25 in ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through One American Bank.
  • Soft credit pull. This bank will not perform a hard credit pull when you open a checking account.
One American Bank checking Pros & Cons
Pros Cons
  • No monthly service fees
  • Available in all 50 states.
  • High-interest yield.
  • Free debit card
  • When Kasasa Cash qualifications are not met during the Monthly Qualification Cycle, daily balance in the account earns 0.01% APY and ATM withdrawal fees are not refunded for that Monthly Qualification Cycle.
  • No signup bonus.
  • Higher than average wire transfer fees.
One American Bank checking FAQ

Are checking accounts from One American Bank federally insured?

Yes, your One American Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does One American Bank checking offer?

One American Bank checking offers an APY starting at 0.01% and ranging up to 1.5% (APY stands for annual percentage yield, rates may change).

One American Bank checking Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.01% - 1.5%

What are the account minimums for One American Bank checking?

One American Bank checking requires a minimum initial deposit of $50 to open an account.

Free Kasasa Cash Checking Minimums
Description
Minimum Opening Deposit Starting at $50
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does One American Bank checking charge?

The good news is that this account does not have a monthly Service Charge.

Free Kasasa Cash Checking Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $25
Debit Card Replacement Fee $10
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0
NSF Fee $39
Online Bill Pay Fee $0
Overdraft Item Fee $29
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $20
ATM Fee: Out-of-Network $0

Does One American Bank checking charge overdraft fees?

Yes, One American Bank checking charges a $29 fee for every overdraft.

What features and perks does One American Bank checking offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $25.
  • Fraud monitoring - One American Bank checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - One American Bank checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
  • Soft credit pull - One American Bank checking performs a soft credit pull so you can check whether you qualify without hurting your credit.

How do people rate the customer service and user experience of One American Bank checking?

Overall, One American Bank checking is strongly recommended based on community reviews that rate customer service and user experience.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Free Kasasa Cash Checking

Free Kasasa Cash® gets you really high interest! Don’t settle for the same free checking with all the same service fees. Free Kasasa Cash checking is different in a good way, with more rewards, more convenience, and more of what you really want.

Free Kasasa Cash checking pays you up to 1.00% APY*. Plus, we’ll refund your ATM withdrawal fees nationwide,* all without those monthly service fees no one likes. To qualify, just do the simple things you’d do anyway, like use your debit card regularly, log into Online Banking and sign up for e-Statements. Now, doesn’t that sound better than just free checking?

Contact

  • Headquarters
  •   549 Broadway
    Centerville, SD 57014
  •   Visit Site

About Free Kasasa Cash Checking

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $50
Minimum Balance to Avoid Monthly Fee Starting at $0
ATM Fee: In-Network $0
Monthly Fee $0
Online Bill Pay Fee $0
ATM Fee: Out-of-Network $0
ATM Reimbursement Monthly Limit $25
Debit Card Replacement Fee $10
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $39
Overdraft Item Fee $29
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $20
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Soft Credit Pull
  • Debit Card
  • Member FDIC
APY (Annual Percentage Yield) 0.01% - 1.5%

Free Kasasa Cash Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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