Kasasa

Kasasa Cash

Kasasa Cash^® is a free, high interest checking account with no minimum balance requirement and no monthly service fee. You choose the amount you keep in your account and we won't charge you for keeping it there.

This account makes everyone's life more convenient. By using your debit card more often and managing most basic banking tasks online each monthly qualification cycle, you get more control over your account.

With our Free Kasasa Cash, we pay 2.55% APY on balances of $0 to $15,000 if you meet the monthly qualifications listed below. Balances above $15,000 receive an interest rate of 0.30% on the portion of the balance above $15,000 if qualifications are met each monthly qualification cycle. In addition, you will receive up to $20 in Domestic ATM fee refunds per month. If you do not qualify for the higher interest rate, a standard 0.10% APY will be applied to the entire balance in your account.

To qualify for the higher interest rate, on a monthly basis you must:

Have at least 10 debit card point-of-sale transactions per "monthly qualification cycle" post and settle
Receive your monthly statement electronically.
Have at least one direct deposit or one ACH auto debit monthly (transaction must be over $1.00) post and settle.

For Kasasa Cash checking, a "monthly qualification cycle" starts on the last business day of a month and ends on the second to last business day of the next month. All requirements must post and settle your account during the monthly qualification cycle to be considered a qualifying account and receive the preferred rate for that month. They may not be in a pending state to qualify as one of the transactions. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers (transfers between two Coulee Bank accounts) do not count as qualifying ACH transactions. Interest is calculated and paid through the last calendar day of the month. Coulee Bank will only accept Kasasa Cash applications from applicants residing in the states of Wisconsin, Minnesota, and Iowa.

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Kasasa Cash with Saver

Take your Kasasa Cash^® benefits to a whole new level with Kasasa Saver^®, a free, high-interest saver account linked to Kasasa Cash. Here's how they work together: the massive interest and ATM fee refunds from Kasasa Cash are automatically deposited into your Kasasa Saver account. Even better, your Kasasa Saver balance earns high interest; so you can sit back, relax and watch your savings grow.

It's time to get money to save, not just move your money around like other savings programs. By using your debit card more often and managing most basic banking tasks online with your Kasasa Cash account each monthly qualification cycle, you get more on both accounts.

Balances up to $15,000 in the Kasasa Saver account receive an APY of 1.00% if qualifications in the Kasasa Cash account are met (as outlined above) each monthly qualification cycle. Balances above $15,000 receive an interest rate of 0.30% on the portion of the balance above $15,000 if qualifications in the Kasasa Cash account are met each monthly qualification cycle. If qualifications in the Kasasa Cash account are not met, the APY will be 0.10% on all balances in the Kasasa Saver account.

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Click the categories below to expand for more details.

2013
January: December 31 - January 30
February: January 31 - February 27
March: February 28 - March 28
April: March 29 - April 29
May: April 30 - May 30
June: May 31 - June 27
July: June 28 - July 30
August: July 31 - August 29
September: August 30 - September 27
October: September 30 - October 30
November: October 31 - November 27
December: November 29 - December 30

If monthly requirements are not met, we will pay not less than the minimum rate on your account.

PLUS, No Monthly Fees and No Minimum Balance!

Accounts Closed within six months will result in a $25 fee. For a list of services, fees, and charges, click here.

Beginning April 1, 2011, Coulee Bank will only accept Kasasa Cash Checking applications from applicants residing in the states of Wisconsin, Minnesota, and Iowa. Click here to apply online.

When the Kasasa Cash Checking requirements are not met, the interest rate on your account and corresponding annual percentage yield (APY) is described in the chart below:

Balance Tier	Interest Rate	Annual Percentage Yield (APY)
All Balance	0.10%	0.10%

When the Kasasa Cash Checking requirements are met, the interest rate on your account and corresponding annual percentage yield (APY) is described in the chart below:

Balance Tier	Interest Rate	Annual Percentage Yield (APY)
0-$15,000	2.52%	2.55%
$15,000.01 and Above	0.30%	2.55%-0.59%

The daily method is utilized to determine which rate will be applied.
Your interest rate and APY may change at any time.
For accounts without a Kasasa Saver attached, interest is compounded monthly. Interest will be credited to your account on the last day of each statement cycle. If you close your account before interest is credited, you will not receive the accrued interest. Interest begins to accrue no later than the business day we receive credit for the non-cash items (for example, checks).
For accounts with a Kasasa Saver attached, the interest is not compounded. Interest will be automatically transferred to your Kasasa Saver account on next day following the day interest was credited to your Kasasa Cash account.
We use the daily balance method to calculate the interest in your account. This method applies a daily periodic rate to the principal in the account each day.
You must deposit $50 to open this account.
One account per Social Security Number

We reserve the right to at any time require not less than 7 days notice in writing before any withdrawal. A $25 fee will apply for any account that is closed within 6 months after opening.

Eligibility Requirements

To qualify for Kasasa Cash checking rates, you must:

Have at least 10 debit card point-of-sale transactions per “monthly qualification cycle” post and settle
Receive your monthly statement electronically
Have at least one direct deposit or one auto debit monthly (transaction must be over $1.00) post and settle

For Kasasa Cash Checking a “monthly qualification cycle” starts on the last business day of a month and ends on the second to last business day of the next month. All requirements must post and settle your account during the monthly qualification cycle to be considered a qualifying account and receive the preferred rate for that month. They may not be in a pending state to qualify as one of the transactions. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not account as qualifying ACH transactions. Interest is calculated and paid through the last calendar day of the month.

If you have met your qualifications for the specified qualification cycle, we will reimburse you for domestic ATM fees up to $20 per qualification cycle. ATM fee reimbursements will be credited to your account on the last day of your statement cycle. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 and higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable. Note: ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards with this account.

When the Kasasa Saver requirements are not met, the interest rate on your account and corresponding annual percentage yield (APY) is described in the chart below:

Balance Tier	Interest Rate	Annual Percentage Yield (APY)
All Balance	0.10%	0.10%

When the Kasasa Saver requirements are met, the interest rate on your account and corresponding annual percentage yield (APY) is described in the chart below:

Balance Tier	Interest Rate	Annual Percentage Yield (APY)
0-$15,000	.9954%	1.0%
$15,000.01 and Above	0.295%	1.00%-0.39%

The daily method is utilized to determine which rate will be applied.
Your interest rate and APY may change at any time.
Interest begins to accrue no later than the business day we receive credit for the non-cash items (for example, checks).
Interest is compounded monthly. Interest will be credited to your account on the last day of each statement cycle. If you close your account before interest is credited, you will not receive the accrued interest.
We use the daily balance method to calculate the interest in your account. This method applies a daily periodic rate to the principal in the account each day.
The Kasasa Cash APY is based on compounding interest. Please be aware that the interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. As a result, the actual interest amount paid for Kasasa Cash may be less than the APY disclosed for that account. The Kasasa Saver APYs may be less than the Kasasa Cash APYs.
You must deposit $50 to open this account.
One account per Social Security Number
We reserve the right to at any time require not less than 7 days notice in writing before any withdrawal. A $25 fee will apply for any account that is closed within 6 months after opening.
Transactions in this account are limited to six per statement cycle. Types of transaction include checks, debit card transactions, preauthorized transfers, automatic transfers, telephone or fax transactions and internet banking transactions.

Eligibility Requirements

To qualify for Kasasa Saver rates, your Kasasa Cash account must meet the following qualifications during the monthly qualification cycle:

Have at least 10 debit card point-of-sale transactions per “monthly qualification cycle” post and settle
Receive your monthly statement electronically
Have at least one direct deposit or one auto debit monthly (transaction must be over $1.00) post and settle

For Kasasa Saver a “monthly qualification cycle” starts on the last business day of a month and ends on the second to last business day of the next month. All requirements must post and settle your Kasasa Cash account during the monthly qualification cycle to be considered a qualifying account and receive the preferred rate for that month in both Kasasa Cash and Kasasa Saver. Transactions may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intrabank transfers do not account as qualifying ACH transactions. Interest is calculated and paid through the last calendar day of the month.