Free Kasasa Cash Checking

Choose free checking that rewards you for doing what you already do. Enjoy high interest earnings and refunds on ATM withdrawal fees.*

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Key Features

  • Earns Interest
  • Refunds on ATM Withdrawals Fees*
  • No Monthly Maintenance Fee
  • Free Digital Banking
  • Free checking that pays high interest
  • 1.00% APY* on balances up to $15,000
  • 0.05% APY on balances over $15,000 depending on balance in account*
  • 0.01% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 a month)*
  • Link to Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • $100 minimum deposit to open

Plus, you’ll enjoy these convenient services:

Earning cash rewards is super easy.

To earn rewards, just do what you’re probably already doing. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:

  • At least 1 direct deposit or ACH payment transaction
  • At least 10 debit card purchases
  • Be enrolled in and agree to receive eStatements

And if you don’t meet these qualifications, don’t worry — your account is still free.

Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

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*APY=Annual Percentage Yield. APYs accurate as of 11/24/2020. Rates may change after account is opened. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 1.00%; and (3) balances over $15,000 earn 0.05% interest rate on the portion of the balance over $15,000.  If qualifications are not met on Kasasa Cash, all balances earn 0.01% APY. Qualifying transactions must post and settle to Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM-processed transactions do not count towards 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. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. Transfers between accounts do not count as qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

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Do you currently have an account with Blue Ridge Bank?

Questions?
Buy vs. Lease CalculatorDisclaimer

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  • Net cost of buying $0
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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total value at maturity $0
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  • Annual Percentage Yield (APY)0.000%
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Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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Certificates of Deposit

Term Rate APY Minimum Balance
3 - 5 Months 0.10% 0.10% $1,000
6 Month 4.16% 4.20% $1,000
7 - 11 Months 0.15% 0.15% $1,000
12 - 17 Months 0.65% 0.65% $1,000
18 - 23 Months 0.20% 0.20% $1,000
24 - 35 Months 0.30% 0.30% $1,000
36 - 47 Months 0.30% 0.30% $1,000
48 - 59 Months 0.40% 0.40% $1,000
60 Months and Longer 0.40% 0.40% $1,000

The Minimum Opening Deposit and Minimum Balance Requirement is $1,000 for Terms 60 Months or less and $25,000 for Terms 72 Months or greater.

Please see our Disclosure information

Certificates of Deposit and IRAs ~ Specials

Term Interest Rate APY
13 Months 0.60% 0.60%
27 Months 0.99% 1.00%
57 Months 1.50% 1.51%
60 Months (Variable Rate)* 1.99% 2.00%

The Minimum Opening Deposit and Balance Requirement for the 13 Month and the 27 Month is $5,000 and $10,000 for the 57 Month special.

The Minimum Opening Deposit and Balance Requirement for the 60 Month Variable Rate special is $5,000.

*60 Month Variable Rate Special- Fixed APY for ninety (90) days from issue date. Variable rate will be 80% of Federal Funds Target Rate for 57 months. Fed Funds Rate as quoted by Federal Reserve. Early withdrawal penalty is 24 months.

Please see our Disclosure information

Checking and Savings Accounts

Product Interest Rate APY
Charitable Account 0.10% 0.10%
Health Savings Account 0.15% 0.15%
Jackpot Savings 0.03% 0.03%
Savings Accounts 0.03% 0.03%

Please see our Disclosure information

Jumbo Certificates of Deposit

Term Rate APY Minimum Balance
1 - 2 Months 0.10% 0.10% $100,000
3 - 5 Months 0.15% 0.15% $100,000
6 Months 4.16% 4.20% $100,000
7 - 11 Months 0.20% 0.20% $100,000
12 Months and Longer 0.70% 0.70% $100,000

The Minimum Opening Deposit and Minimum Balance Requirement is $1,000 for Terms 60 Months or less and $25,000 for Terms 72 Months or greater.

Please see our Disclosure information

Kasasa Cash*

Balance Minimum Deposit to Open Interest Rate APY
$100 - $15,000 $0 1.00% 1.00%
$15,000+ $0 0.05% 0.05%
All balances if qualifications not met $0 0.01% 0.01%

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Have at least 1 direct deposit or 1 ACH auto debit post and settle

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month.

Kasasa Saver*

Balance Minimum Deposit to Open Interest Rate APY
$0 - $100,000 $0 0.20% 0.20%
$100,000+ $0 0.05% 0.05%
All balances if qualifications not met $0 0.01% 0.01%

Qualifications

Qualifying for your Kasasa Cash 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 account during each Monthly Qualification Cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Have at least 1 direct deposit or 1 ACH auto debit post and settle

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.

Money Market

Balance Rate APY
$0.00 - $24,999.99 0.05% 0.05%
$25,000.00 - $49,999.99 0.10% 0.10%
$50,000.00 - $249,999.99 0.15% 0.15%
$250,000.00 and Greater 0.20% 0.20%

Municipal Money Market

Balance Rate APY
$1,000.00 and Greater 0.15% 0.15%

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