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Kasasa

With The Savings Bank and Kasasa®, you can get paid for banking locally

Free checking that pays you back. That's Kasasa Cash® Checking.
Earn up to 3.00% APY*

KasasaShopping

Kasasa Checking

Kasasa Cash1 and Kasasa Cash Back2 work just like other checking accounts… but with monthly rewards and without the monthly maintenance fee. Both are always free and come with great service – you just need to select the one that’s right for you!

Kasasa Cash® 
Checking

Kasasa Cash Back® Checking

A free, high-interest checking account

A free checking account that gives cash back

Free checking with no monthly services fees, ever.

Refunds on ATM surcharges nationwide (up to $25 per month).

No minimum balance to earn rewards.

High-interest rate.

3.00% APY*

2.00% cashback on debit card purchases (up to $6 per month).

Access Your Accounts

All our checking accounts include easy access to your accounts with tools including:

Kasasa Saver®

Our Kasasa Saver3 makes saving effortless and earns a high rate. It’s linked to your free Kasasa Cash or Kasasa Cash Back Checking accounts to build your savings automatically. When you earn cash rewards on your Kasasa checking, those earnings transfer into your Kasasa Saver.

*Annual Percentage Yield (APY) and rates effective 2/14/2024. Subject to change without notice.

Current Rates

Account

Minimum Opening Deposit

Balance
to Earn APY

Interest Rate

APY*

Kasasa Cash

$50.00

$0 - $14,999.99

2.960%

3.000%

$15,000 and over

0.200%

3.000% - 0.565%

If qualifications are not met, all balances earn

0.050%

0.050%

APY calculations are based on an assumed total account balance of $15,000 plus $100,000 to be shown as a single figure (i.e. $115,000).

Kasasa Saver

$10.00

$0 - $24,999.99

1.000%

1.000%

$25,000 and over

0.200%

1.000% - 0.360%

If qualifications are not met, all balances earn

0.050%

0.050%

APY calculations are based on an assumed total account balance of $25,000 plus $100,000 to be shown as a single figure (i.e. $125,000).

Service fees may reduce earnings on the account.

How to earn your rewards

Qualifying for Kasasa Cash or Kasasa Cash Back rewards also automatically qualifies you for the highest Kasasa Saver rate. Just do the following activities and transactions in your Kasasa Cash or Kasasa Cash Back account each month (also referred to as a “Qualification Cycle):
  • At least 12 Point of Sale (POS) transactions post and settle to your account.
  • At least one automatic or direct deposit post and settle to your account.
  • Be enrolled in and have agreed to receive e-statements rather than paper statements.

Don’t worry – If you miss a qualification cycle, your account is still free and you still earn our base interest rate. You can get back to earning the full rewards during the next monthly qualification cycle.

From our customers
“Love the employees at the North Reading Office. They are so friendly and helpful.  The teller and the customer service representative are the BEST!!”

From our customers
“The people I encounter at Lakeside and Main Street are always helpful and friendly. I enjoy that they actually care about me even though I am not one of your bigger clients.”

From our customers
“I have been banking here for a number of years. I love this bank! Customer service is awesome. Anytime I had a problem it was resolved professionally.”

From our customers
“I like the real hometown feel you get with The Savings Bank. Staff at ALL branches are wonderful, making the personal interaction very pleasant.  I have been banking with you since 1978 and have never had even one issue.”

From our customers
“Love the personal connections with the bank personnel.”

From our customers
“The staff in the Methuen office could not be kinder.”

From our customers
“Just great!”

From our customers
“I feel you excel in all areas but I am very appreciative of the kindness with which I have been treated all these years, by everyone at the TSB, whether in person or on the phone.”

From our customers
“I have been banking with TSB for many years and I am very satisfied with them. Why wouldn’t you want to come and bank there?”

From our customers
“I stay with TSB because I know if I have an issue, I can reach out to an actual person and get help. It is what separates TSB from the big banks.”

From our customers
“I’ve used TSB for approximately 40 years. They have always been helpful and kind. Never had an issue. Love banking with TSB and all of the wonderful employees.”

From our customers
“Love everything!”

From our customers
“Your staff is the best.”

From our customers
Friendly, helpful, and pleasant tellers in the Greenwood, Wakefield branch!

From our customers
“I feel you excel in all areas but I am very appreciative of the kindness with which I have been treated all these years, by everyone at the TSB, whether in person or on the phone.”

1 Kasasa Cash
Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) You will earn a high tiered rate and (2) you will receive reimbursements for nationwide ATM surcharges imposed by other financial institutions incurred during the Monthly Qualification Cycle in which you qualified. Restrictions apply. When Kasasa Cash qualifications are not met, all balances in the account earn our standard account rate and ATM surcharges are not refunded. Interest and ATM surcharge reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

2 Kasasa Cash Back
Reward Information: When your Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, you will receive: (1) our current cash back limit on debit card purchases that post and settle to the account during that cycle period. The maximum cash back may be earned per Monthly Qualification Cycle and (2) you will receive reimbursements for nationwide ATM surcharges imposed by other financial institutions incurred during the Monthly Qualification Cycle in which you qualified. When Kasasa Cash Back qualifications are not met, no cash back payments are made, and ATM surcharges are not refunded. Cash back payments and ATM surcharge reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. Rates and rewards are variable and may change after account is opened.

3 Kasasa Saver
Rewards vary by account. When your linked Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, your Kasasa Saver account balances earn a high tiered rate. If your Kasasa Cash or Kasasa Cash Back qualifications are not met, all Kasasa Saver balances earn our standard rate. Kasasa Cash & Kasasa Cash Back ATM surcharges along with Kasasa Cash Back rewards will post directly to the Kasasa Saver on the last day of the current Statement Cycle. No Kasasa Saver ATM surcharges will be reimbursed. Kasasa Cash interest is automatically transferred to the linked Kasasa Saver account within one business day. This automatic transfer may cause an overdraft to your linked Kasasa Cash account, if the account’s balance is less than the transferred amount when transfer occurs. Rates and rewards are variable and may change after account is opened.

Additional Information for Kasasa Cash and Kasasa Cash Back: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. Enrollment in electronic services (e.g., online banking, electronic statements) and log-ons are required to meet the account’s qualifications. Customers not meeting account requirements may be moved to another account after twelve (12) qualification cycles. Limit one account per social security number.

Additional Information for Kasasa Saver: $10 minimum deposit is required to open the account. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. In the event that you or we close your Kasasa Cash or Kasasa Cash Back account, your Kasasa Saver will be closed as well. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.

Talk to The Savings Bank

To find out how The Savings Bank can help you achieve all your financial goals, visit one of our offices, use our contact form, or call us at 800-246-2009.

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