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Kasasa Cash®


Ask for a HIGHER RATE on your checking account.
Ask for free Kasasa checking – earn really high rates* with no monthly service fees, plus refunds on ATM fees nationwide*!


Free checking with no monthly service fees or balance requirements to earn Interest? It’s possible with Kasasa Cash®.
A Checking account that fits your style of life.
Still want more? How about nationwide ATM fee refunds*? You get those too!
You can have it all with Kasasa®
because you are probably already doing the few banking basics that it takes to meet the qualifications.


Free yourself from other banks’ restrictions and earn a greater interest rate than even a savings account can!



  • .85% APY* on balances up to $10,000 when qualifications are met
  • .85%-.25% APY* on balances over $10,000 depending on balance in account*
  • .05% APY* if qualifications are not met
  • 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 Checking Account with Kasasa Saver to maximize your savings with automatically transferred rewards!


Kasasa Cash® Qualifications

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

  • Have at least 12 debit card purchases post and clear
  • Have one automatic payment (ACH) or direct deposit 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 earn our base rate of .05% APY*, and you can get the rewards back 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

Debit Card

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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!


*Minimum to open account is $100 Annual Percentage Yield (APY) accurate as of 10/22/2015. Rate tiers are as follows: 0.85% APY applies to balances of $0.01- $10,000
and 0.25% APY applies to balances over $10,000 if qualifications are met each monthly qualification cycle. 0.05% APY applies to all balances if monthly qualifications are not met. All balances will earn 0.85% APY – 0.25% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. ATM-processed transactions do not count towards qualifying debit card transactions. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction occurred to post to an account. Internal bank transfers do not count as qualifying transactions. ATM Fee reimbursements up to $25.00 provided only if qualifications are met within the monthly qualification cycle.


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.


Additional Information: Account approval, conditions, qualifications, limits, timeframes, 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.