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Kasasa Cash Back®


Ask for CASH BACK on more stuff.
Ask for free Kasasa checking – get cash back each month* with no category restrictions, plus plus refunds on ATM fees nationwide*!


Get ready for a free checking account that gives you rewards you really want. Get cash back when you buy gas, groceries, clothes, household items, or anything you normally purchase with your debit card. Plus, you’ll also get nationwide ATM fee refunds*. Yeah, we know. Amazing! With Kasasa Cash Back,® you don’t need to accumulate points, and there are no category restrictions. You get real cash back in your wallet every month, just for doing things you already do.


Kasasa—A Whole New Way to BankTM!



  • 2% cash back on debit card purchases*
  • No category restrictions
  • Cash back earned on up to $300 in purchases monthly
  • Earn up to $6.00 cash back per month
  • ATM fee refunds nationwide*
  • No monthly service fee
  • No minimum balance to earn rewards
  • Unlimited check writing
  • Visa® check card**
  • Free e-Receipts
  • Free Online Banking with Bill Pay
  • Free eStatements
  • Free Telephone Banking
  • Overdraft protection available**
  • Direct Deposit available
  • FDIC insured
  • $100 deposit to open

Pair your Kasasa Cash Back Checking Account with Kasasa Saver to maximize your savings with automatically transferred rewards!


Kasasa Cash Back® Qualifications

To get the Kasasa Cash Back reward and ATM fee refunds each monthly qualification cycle, just do the following simple activities:

  • Have at least 18 debit card purchases post and clear
  • Be enrolled and receive eStatement notice
  • Access Online Banking (Mobile Banking is not an alternative method of meeting this qualifying event)

If you don’t qualify, don’t worry!! You still get unlimited free checking and you can get the rewards the very next monthly qualification cycle!



Ready to Open Your Account?

Give us a call today or stop by one of our branches. No appointment necessary.

Contact Us


Do More with Your Account

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Take your debit card home with you the same day

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View your account anywhere with mobile banking

Mobile Banking



Not Sure Which Account is Right for You?

Use our Compare Accounts tool to help you decide.


What’s Kasasa?
Give us a call so we can personally assist you in determining what checking product will meet your individual needs!! Or Start Your Application Process Today!


*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 Kasasa Cash Back 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 clear (settle) to the account during that cycle period. A maximum of $6.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to $25.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within thirty (30) calendar days of transaction] for reimbursements of individual ATM fees of $5.00 or higher. 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 current statement cycle. Rates and rewards are variable and may change after account is opened.


Additional Information: Account approval, conditions, qualifications, limits, time-frames, enrollments, log-ons and other requirements apply. $100.00 minimum deposit
is required to open the account. Enrollment in online banking and receipt of electronic statements are conditions of this 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. Mobile Banking access does not count toward meeting qualifications. Limit 1 Kasasa checking account per social security number / individual taxpayer identification number. There are no recurring monthly service charges or fees to open this account. Contact one of our bank customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Tunes, Kasasa Saver and Kasasa Protect are trademarks of Kasasa, Ltd., registered in the U.S.A.

**On approved credit. Fees may apply.

View the Monthly Qualification Cycle


Effective February 20, 2013
If you have met your qualifications for the specified qualification cycle, we will reimburse you for domestic ATM fees up to $25.00 per qualification cycle. ATM fee reimbursements are posted on the day your statement is prepared. 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 you write to us at Murphy-Wall State Bank and Trust Company, Attn: Kasasa ATM Fee Adjustment Dept., PO Box 128, Pinckneyville, IL 62274-0128, provide (1) the date of your request, (2) your printed name, (3) the last four digits of your Kasasa account number, (4) your signature as authorization for the request, and (5) you must include your original receipt. Optionally, you may provide this information to us at one of our branches. We must hear from you no later than 30 days after the statement cycle when the reimbursement is applicable. If the appropriate information is not provided, a reimbursement will not occur. The collective total of all ATM fees that will be reimbursed for a qualification cycle will not exceed the $25.00 limit established for each qualification cycle regardless of the amount of adjustment(s) requested. Reimbursement adjustments will occur within 2 weeks of receipt of proper documentation and will be made to your Kasasa Cash or optionally to your Kasasa Saver account depending on the product(s) and the terms and conditions for the account(s) that you have with us. Note: ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards within this account. For further information you may contact us at 618-318-8645.