Everyone has different needs when it comes to managing their checking accounts. At The Savings Bank, you’ll find a selection of checking products that let you decide which account works best for your needs.
Whether it’s earning above-average interest or earning cash back, you’ll find what you need at The Savings Bank.



KasasaChoose Kasasa Cash Checking® or Kasasa Cash Back Checking®
Kasasa | Kasasa Cash Back Checking | |
A free, high-interest checking account. | A free checking account that gives cashback. | |
Free checking with no monthly service fees, ever | • | • |
Refunds on ATM fees, nationwide (up to $25 per month) | • | • |
No minimum balance to earn rewards | • | • |
High-interest rate | 2% APY* | |
2% cashback on debit card purchases (up to $6 per month) | • | |
*APY=Annual Percentage Yield effective as of 6/8/2022. Service fees may reduce earnings on the account. Rates may change without prior notice. |
How do you get these great rewards with your free Kasasa Cash checking account during each monthly qualification cycle? It’s easy!
All you have to do is:
- Have at least 12 debit card point-of-sale purchases post and settle each qualification cycle
- Have at least 1 ACH debit or credit (Automatic Payment or Direct Deposit) transaction post and settle each qualification cycle
- Be enrolled in eStatements
Even if you don’t meet these qualifications, don’t worry your account is still free. And in addition, 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.
Kasasa Cash Checking Qualification Information
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 card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank.
“Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.
Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle (1) Balances up to $14,999.99 receive APY of 2.00%; and balances of $15,000.00 and over earn 0.2% interest rate on the portion of balance over $15,000, resulting in a range from 2.00% to 0.200% APY depending on the account’s balance and (2) you will receive reimbursements up to $25.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% 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 the current statement cycle.
APY = Annual Percentage Yield. APYs accurate as of 6/8/2022. Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons, and other requirements apply. A $50 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit one account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.
Kasasa Cash Back Qualification Information
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 card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank.
“Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.
Reward Information:
When your Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, you will receive: (1) 2.00% cash back on up to a total of $300.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $6.00 cash back may be earned per Monthly Qualification Cycle and (2) you will receive reimbursements up to $25.00 for nationwide ATM fees 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 fees are not refunded. Cash back payments and ATM fee 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. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50.00 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit one account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.
Basic Checking
A Basic Checking account is what you’re looking for if simplicity is what you want. Of course, our Basic Checking account can still have all the added conveniences as our other checking accounts.
Basic Checking includes:
- No monthly service charge
- Unlimited check writing
- No minimum balance requirement
- $25 minimum opening deposit
- Free eStatements (paper statements are available for $5 per month)
Wealth Checking
A checking account with a preferred interest rate and special banking benefits designed exclusively for First Financial Trust clients to manage their day-to-day banking at The Savings Bank.
- Preferred rate added for accounts with balances of $5,000 or more and Direct Deposit
- No transaction limitations
- Unlimited TSB ATM access, and $25 rebate on ATM surcharges
- Free order of checks or discount on designer checks, annually
- Free Safe Deposit Box, where available
- Debit Card, Online and Mobile Banking, and Overdraft Protection
- Fully insured
Access Your AccountsAll our checking accounts include easy access to your accounts with tools including:
- Online Banking with Bill Payment
- Automatic Account Alerts with Notifi
- eStatements
- Mobile Banking with Mobile Check Deposit
- Debit Card with Mobile Wallet; Card Control and uChoose Debit Rewards
- Unlimited access at TSB ATMs and no foreign ATM fees with Direct Deposit
- Surcharge-free ATMs through SUM® program ATMs
- Send money easily with Zelle®
Deposit Insurance
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). Click for information about Deposit Insurance.
Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
Talk to The Savings Bank
To find out how The Savings Bank can help you achieve all your financial goals, visit one of our branch locations, use our contact form, or call us at 800-246-2009.