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Free Kasasa Cash Checking

Do you currently have an account with Newton Federal Bank?

Choose the free checking account that pays you in ways that matter — your free Kasasa Cash® account earns a high 1.50% APY* on your balance monthly!

You can also earn unlimited refunds on your ATM fees, nationwide* — not just in Georgia, but anywhere in the U.S. Do you Kasasa?®



  • Free checking plus really high interest
    • 1.50% APY* on balances up to $50,000
    • 1.50% to 0.66% APY on balances over $50,000 depending on balance in account*
    • 0.03% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (unlimited)*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking
  • Free mobile banking with mobile deposit
  • Free eStatements
  • Free Visa® debit card
  • Online bill pay available
  • Unlimited check writing
  • $100 minimum deposit to open

Don't forget to open your Kasasa Saver account to maximize your rewards!


All that stand between you and your rewards are things you probably do anyway. To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

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


Do you currently have an account with Newton Federal Bank?

*Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit and credit card purchases processed by merchants and received by Newton Federal Bank as ATM or PIN-based, signature based transactions and purchases made with non-Newton Federal Bank issued debit or credit cards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, Balances up to $50,000 receive APY of 1.50%; and balances over $50,000 earn .25% interest rate on the portion of balance over $50,000, resulting in a range from 1.50% to .66% APY depending on the account's balance (assuming an average balance of $150,000) You will receive reimbursements for domestic ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within 30 days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Cash qualifications are not met, all balances in the account earn .03% APY and ATM fees are not refunded. Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of statement cycle. APY = Annual Percentage Yield. APYs accurate as of 02/17/2020. Rates and rewards are variable and may change after account is opened. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100 minimum deposit is required to open the account. Monthly access of online banking account, enrollment in online banking, receipt of electronic statements is a condition of this account. At least 12 debit card transactions, enrollment in electronic services (e.g. online banking, electronic statements) and log-ons are required to meet some of the account's qualifications. Limit one account per Social Security Number. There are no recurring monthly service charges or fees to open or close this account. Contact a Newton Federal Bank service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC.