Kasasa Saver

This free high interest savings account makes the most of your Kasasa Cash rewards with free automatic transfers and a second rate of return. Here's how it works: each monthly qualification cycle, we will move your earnings and ATM fee refunds into this account where they can earn 0.21% APY*!

Kasasa Saver helps you build that nest egg without having to do a thing. And just like with our Kasasa Cash account, if you miss a month, there are no penalties—you still earn our base rate of interest, and can get the Saver rate back the very next month!

Kasasa Saver
  • 0.21% APY* on all balances if qualifications are met*
  • 0.01% APY* if qualifications aren't met
  • ATM fee refunds automatically transferred from your Kasasa Cash*
  • Free automatic Kasasa reward transfers
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking
  • Free eStatements
  • Mobile banking
  • Free telephone banking
  • $50 minimum deposit to open


There are no additional qualifiers to receive the Kasasa Saver rate—you automatically receive it as long as you meet the Kasasa Cash criteria each monthly qualification cycle:

  • Have at least 15 debit card point of sale purchases post and settle (ATM withdrawals do not count)
  • Have at least 1 direct deposit, automatic payment (ACH), or online bill payment post and settle
  • Be enrolled and receive eStatement notice

(Monthly Qualification Cycle means a period beginning one day prior to the current statement through one day prior to the close of the current statement)

Your Kasasa Cash rewards will be transferred automatically to your Kasasa Saver account.

If you don't meet the qualifications in a given statement cycle, don't worry—you still pay nothing and receive our base rate of interest. And you can get the Saver rewards back the very next month!

*APY=Annual Percentage Yield. APYs accurate as of 10/16/2014. Rates may change after account is opened. Minimum to open is $50 for Kasasa Cash and $50 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.01%; and (3) balances over $10,000 earn 0.21% interest rate on the portion of the balance over $10,000, resulting in 2.01% - 0.37% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.01% APY. Qualifying transactions must post to and clear Kasasa Cash account during monthly qualification cycle. ATM-processed transactions do not count towards qualifying debit card transactions. Transactions may take one or more banking days from the date transaction was made to post to and clear account. Transfers between accounts do not count as qualifying transactions. Monthly qualification cycle is not the same as monthly statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash account are met each monthly qualification cycle: (1)all balances in Kasasa Saver account receive an APY of 0.21%. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver account earn 0.01% APY. Available on personal accounts only, one per client.

** ATM fee refunds (checking account only) up to $25 provided only if qualifications are met within the monthly qualification cycle and will be credited to the account on the last day of the monthly qualification cycle.

Online Eligibility

To open an account with TS Bank you must be a resident of one of the following states:

  • Arkansas
  • Colorado
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Michigan
  • Minnesota
  • Missouri
  • Montana
  • Nebraska
  • New Mexico
  • North Dakota
  • Oklahoma
  • South Dakota
  • Tennessee
  • Utah
  • Wisconsin
  • Wyoming

The maximum funding amount for Kasasa accounts opened online is $250.00.

Qualification Calendar


BLUE - Monthly Qualification Cycle Begins (always the 3rd Wednesday), Use your debit card early and often!

RED - Monthly Qualification Cycle Ends (always the Tuesday before the 3rd Wednesday). Transactions must post and settle by this date.

Reach out to a banker at 712-487-3000 with questions regarding the monthly qualification cycle to ensure understanding and success!

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