Last Updated: 01/21/2026
Free Kasasa Cash Checking
Unaffiliated
in Checking Accounts from One American Bank
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A(Verified 09/28/2022)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.01% - 1.5%(Verified 06/21/2024)
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Monthly Service Fee
$0(Verified 01/21/2026)
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Free Kasasa Cash Checking Review
The Free Kasasa Cash Checking is offered by One American Bank, a bank founded in 1883 and based in Centerville, SD. One American Bank checking is available in 50 states and Washington, DC.
Key Takeaways
- Up to 1.5% annual percentage yield (APY). This account offers an annual percentage yield of up to 1.5%, which is much higher than the average for the checking accounts that we track
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No ATM fees. Free Kasasa Cash Checking does not charge fees on ATM transactions .
- Up to $25 in ATM fee rebates. 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 when you enroll in One American Bank mobile or online banking.
- Soft credit pull. One American Bank will not perform a hard credit pull when you open an account.
One American Bank checking Pros & Cons
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One American Bank checking FAQ
Are checking accounts from One American Bank federally insured?
Yes, your deposits are insured 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).
| 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does One American Bank checking charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Reimbursement Monthly Limit | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 rebates - This account will reimburse you for 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 checks1 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.
What is the customer support email for One American Bank checking?
The customer support email for One American Bank checking is customerservice@oneamericanbank.com.
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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 One American Bank checking
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Learn MoreSuperMoney Net Recommendation Score
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Free Kasasa Cash Checking Community Reviews
Would you recommend Free Kasasa Cash Checking to your friends?
U
Anonymous
Aug 20, 2020
May or may not recommend
One of the features that attracted me to use this platform is the soft credit pull. This has allowed me to get my background checked without hurting my credit. Also, to create an account would only cost $50 as a minimal initial deposit. The great thing is Free Kasasa doesn’t charge a monthly maintenance fee, and it’s available in all 50 states.
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