Earn up to 1.50% APY* — just for doing simple things you already do. It’s one way we thank you for banking here, locally.

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Key Features

  • Really High Interest Earnings
  • Refunds on ATM Withdrawal Fees*
  • No Monthly Maintenance Fee
  • Convenient Digital Banking

Do you currently have an account with Citizens Guaranty Bank?

  • Checking that pays high interest
  • 1.50% APY* on balances up to $10,000
  • 1.50% to 0.4458% APY on balances over $10,000 depending on balance in account*
  • 0.03% APY* if qualifications aren't met
  • Unlimited refunds on ATM withdrawal fees, nationwide*
  • Link to Kasasa Saver® to build savings automatically 
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Convenient digital banking, including:
    • Online banking1
    • Mobile banking2
    • eStatements
  • Includes Visa® debit card
  • 24/7 telephone banking
  • $25 minimum deposit to open

Earning your rewards is simple and easy.

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking or mobile banking

And if you don’t meet these qualifications, don’t worry — there's still no monthly maintenance fee for your account. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Do you currently have an account with Citizens Guaranty Bank?

*APY=Annual Percentage Yield. APYs accurate as of 08/19/2020. Rates may change after account is opened. Minimum to open is $25. If qualifications are met each Monthly Qualification Cycle: (1) Domestic ATM fees incurred during Qualification Cycle will be reimbursed and credited to account on the last day of monthly Statement Cycle; (2) balances up to $10,000 earn 1.4898% interest rate with an APY of 1.50%; and (3) balances over $10,000 earn 0.3494% interest rate on portion of balance over $10,000, resulting in range from 1.50% to 0.4458% APY depending on the balance. The blended APY is calculated using a balance of $110,000. If qualifications are not met, all balances earn 0.03% interest rate with a 0.03% APY. Rates and rewards may change after accounts are opened. Interest is paid on collected funds. Qualifying transactions must post and settle to account during Monthly Qualification Cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts and debit-card transactions processed by merchants and received by Citizens Guaranty Bank as ATM transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current Statement Cycle through one day prior to the close of the current Statement Cycle. "Statement Cycle" means the period of time for which Citizens Guaranty Bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. The statement cycle ends on the third Wednesday of the month. We reserve the right to require at least seven business day’s written notice of a withdrawal. Nationwide and Domestic ATM fees are fees incurred within the United States of America. If the account is closed, you will forfeit any rewards that have not been credited to your account. See Miscellaneous Fee Schedule for fees that may apply to this account. Fees may reduce the earnings on this account. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. A limit of one (1) Kasasa Product per primary account holder's social security number.

1Please note that internet provider charges may apply.

2Cellular phone carrier charges may apply for internet and text messaging. Contact your provider for information regarding these charges.

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