Spend

Flexible and convenient, saving you time and money. 

Choose Your Checking Account 

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Secure Checking 

A great fit for:

  • Anyone and everyone

When you want added peace of mind, choose the account that offers extra services to protect your identity and financial well-being. You will also get access to discounts on things like travel, entertainment and healthcare expenses.

Features 

  • $100 minimum opening deposit 
  • Unlimited check writing 
  • Free debit card*
  • Free Online Banking with Bill Pay 
  • Free eStatements 
  • Free 24-hour Telephone Banking 
  • Comprehensive identity theft resolution services**
  • Identity fraud expense reimbursement coverage***
  • Travel and entertainment discount membership****
  • Health discount savings on vision, prescriptions and dental**** 
  • Cellular telephone protection***** 
  • Accidental death and dismemberment insurance***** 

Low monthly fee****** 

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Free Kasasa Cash Checking 

A great fit if:

  • You want an account that earns higher interest  

Earn a competitive interest rate on your account balance and receive ATM refunds by meeting simple monthly qualifications. 

Features 

  • $100 minimum opening deposit 
  • 4.07% Annual Percentage Yield (APY*) on balances up to $25,000 
  • 4.07% to 1.21% APY on balances over $25,000 depending on balance in account* 
  • 0.01% APY* if qualifications aren’t met 
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)* 
  • No minimum balance to earn rewards 
  • No monthly service fee 
  • Unlimited check writing and transactions 
  • Free debit card** 
  • Free Online Banking with Bill Pay 
  •  eStatements are required 
  • Free 24-hour Telephone Banking 

How to Qualify

To earn your rewards, you need to have at least 12 debit card purchases post and settle to your Kasasa Cash account each monthly qualification cycle.

But if you don’t meet these qualifications, your account is still free! You’ll still earn our base interest rate, and the next cycle you qualify, you will get right back to earning your full rewards.

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Free Kasasa Cash Back Checking   

A great fit if:

  • You’re looking to earn cash back

Get your money back where it belongs – in your pocket. Earn cash back on debit card purchases and ATM refunds.  

 Features 

  • $100 minimum opening deposit 
  • 3.00% cash back on debit card purchases* 
  • No category restrictions on purchases 
  • Cash back earned on up to $250 in purchases monthly 
  • Earn up to $90 cash back per year, $7.50 per month* 
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)* 
  • No minimum balance to earn rewards 
  • No monthly service fee 
  • Unlimited check writing and transactions 
  • Free debit card** 
  • Free Online Banking with Bill Pay 
  • eStatements are required 
  • Free 24-hour Telephone Banking 

 How To Qualify

To earn your rewards, you need to have at least 12 debit card purchases post and settle to your Kasasa Cash Back account each monthly qualification cycle.

But if you don’t meet these qualifications, your account is still free! Plus the next cycle you qualify, you will get right back to earning your full rewards.

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Heritage Checking

A great fit if:

  • Anyone 50 and older

Seniority pays. Earn exclusive advantages if you’re 50 years old or older. 

 Features 

  • $100 minimum opening deposit 
  • Unlimited check writing and transactions 
  • No monthly fee with a minimum $5,000 in deposits relationship* 
  • Monthly image statements 
  • Free debit card** 
  • Free Online Banking with Bill Pay 
  • Free eStatements 
  • Free 24-hour Telephone Banking 
  • Free notary service 
  • No issue charge for official checks 
  • Discount on safe deposit boxes 
  • Regular updates on seminars and socials 
  • Heritage Club group travel opportunities  
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NOW Checking

A great fit if:

  • Sole proprietors
  • Nonprofit organizations 

This interest-bearing checking account is designed for individuals, sole proprietorships, government agencies and nonprofit organizations.  

 Features 

  • Unlimited check writing and transactions 
  • Earns interest that’s credited monthly 
  • Monthly image statements 
  • No monthly fee with a minimum daily balance of $1,500* 
  • Free debit card** 
  • Free Online Banking with Bill Pay 
  • Free 24-hour Telephone Banking 
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On Us Account 

A great fit if:

  • Anyone seeking to rebuild their credit
  • Customers with e-fund scores below 586

If you’re working to rebuild your credit, you can bank ‘on us’ to help you reach your financial goals. If your e-funds score is below 586, this account can help improve your score. 

  • Free debit card* 
  • Free Online Banking with Bill Pay 
  • Semi-annual credit counseling 
  • No minimum opening deposit** 
  • Proud to be Bank On Certified 

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eChecking

A great fit if:

  • You want to bank completely online

 eChecking brings your account and statements completely online to simplify the way you bank. 

Features 

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Health Savings Account

A great fit if:

  • Families
  • Anyone looking to save for health-related expenses 

Invest in your family’s health. Our team of experts will work with you to find a solution that gives you tax-free access* to funds that are used exclusively for healthcare needs.  

Compare Checking Accounts

Compare features to find the best checking option for you.  

Construction Loan

Building your dream home can be as stressful as it is exciting. Find the flexible financing solutions and experienced lending team you need.

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Business Loans

We’re here to help you grow your business.

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Heritage Club

Let us take you on your next adventure. 

All are welcome to join the Heritage Club on trips to a variety of fun destinations. 

Additional Services