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Free Kasasa Cash Back®

Open a Kasasa Cash Back® account now!

Choose free checking that pays you back – and refunds your ATM withdrawal fees when your account qualifies!1

Shopping is a lot more fun with free Kasasa Cash Back® checking, and each Monthly Qualification Cycle that you qualify, earn 2.00% cash back on your everyday debit card purchases, up to $96 cash back per year!1 Each cycle that you qualify, you’ll also get cash back in the form of refunds on ATM withdrawal fees, nationwide2. So you can get to your money when and where you need it.

The other benefits of this account are:

  • 2.00% cash back on debit card purchases each cycle that your account qualifies1
    • No category restrictions on purchases
    • Cash back earned on up to $400 in purchases each cycle that your account qualifies1
    • Earn up to $96 cash back per year, up $8 per month
  • Unlimited refunds on ATM withdrawals fees, nationwide each cycle that your account qualifies2
  • Can link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly service fee
  • Unlimited check writing
  • Free Online Banking3
  • Free Bill Pay3
  • Free Mobile Banking3
  • Free Remote Deposit3
  • Free Telephone Banking3

Looking for more benefits? Check out Kasasa Saver!

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And earning your rewards is easy!

  • Have at least 12 PIN-based debit card purchases post & settle
  • Be enrolled in & agree to receive e-statements
  • Be enrolled in & log into online banking

    • But if you don’t meet these qualifications, don’t worry.

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

1Qualifying accounts earn 2.00% cash back on all debit card purchases that post and settle, up to a total of $8.00 cash back during each Monthly Qualification Cycle. “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. “Statement Cycle” means the period of time for which Bay State Savings Bank provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. For example, the Statement Cycle for this account typically runs from the 6th of the current month through the 5th of the following month.  If the end date of the Statement Cycle falls on a Saturday or Sunday, the end date of the Statement Cycle is instead the Friday before, and the next Statement Cycle will commence the day after that. Rewards are subject to change and may change after account is opened.

2Unlimited Nationwide ATM fee refunds offered in qualifying cycles (receipt required for ATM fees over $4.99 and for fees incurred at Smart ATMs capable of distributing currency in less than $5.00 denominations). ATM fees will not be refunded in Monthly Qualification Cycles that you do not meet the qualification requirements.

3Standard internet/telephone carrier rates and fees apply.

Please refer to Bay State Savings Bank Retail Fee Schedule for current fees and charges.

Visit our Additional Services Page for information regarding our ATM services.

Each depositor is insured by the FDIC to at least $250,000. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF).