Unlock More Value
Earn more from your checking, every month you qualify* — no monthly maintenance fees to worry about.
Features You’ll Love
- Refunds on ATM withdrawal fees*
- High interest earning
- No minimum balance to earn rewards
Free checking that pays high interest!
2.78% APY* on balances up to $15,000
- 2.78% to 1.27% Annual Percentage Yield on balances over $15,000 depending on balance in account*
- 0.05% APY* if qualifications aren't met
- Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
- Link to free Kasasa Saver® to maximize your savings
- No minimum balance to earn rewards
- No monthly maintenance fees
- Free digital banking, including:
- Free online banking with bill pay
- Free mobile banking* with mobile deposit
- Free eStatements
- Free Visa® debit card
- $100 minimum deposit to open
Please note that receiving eStatements and having at least one direct deposit are conditions for having this account.
It’s easy to earn rewards!
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 16 debit card purchases
And if you don't meet this qualification, don't worry. Your account is still free. Plus, you'll still earn our base (non-qualify) interest rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
See 2025 Qualification Cycle Schedule here.
Additional Information:
*APY = Annual Percentage Yield. APYs accurate as of 01/02/2025, and is subject to change
Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. $100 minimum deposit is required to open the account.
Monthly Direct Deposit and enrollment in eStatement are conditions of this account.
Limit of one Kasasa Checking account(s) per Primary Social Security number.
Mobile banking is a free service to Sutton Bank customers, however message and data rates may apply
There are no recurring monthly maintenance charges or fees to open or close this account.
This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period.
Ask your Sutton Personal Banker for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Member FDIC.
Trademarks:
Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Bank Advantage
| Minimum Opening Balance | Minimum to avoid monthly fees | Minimum balance to earn interest | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| $100.00 | $1,000.00 | $0.00 | 0.15% | 0.15% | Monthly |
Blue Chip MMIA
| Minimum balance to earn interest | Minimum Opening Balance | Minimum to avoid monthly fees | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| 0.00 to 9,999.99 | $2,500.00 | $2,500.00 | 0.10% | 0.10% | Monthly |
| 10,000 to 24,999.99 | $2,500.00 | $2,500.00 | 0.30% | 0.30% | Monthly |
| 25,000 to 49,999.99 | $2,500.00 | $2,500.00 | 0.40% | 0.40% | Monthly |
| 50,000 to 99,999.99 | $2,500.00 | $2,500.00 | 0.75% | 0.75% | Monthly |
| 100,000 to 249,999.99 | $2,500.00 | $2,500.00 | 1.00% | 1.00% | Monthly |
| 250,000.00 & over | $2,500.00 | $2,500.00 | 1.26% | 1.25% | Monthly |
Business Plus Money Market
| Minimum balance to earn interest | Minimum Opening Balance | Minimum to avoid monthly fees | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| 0.00 to 9,999.99 | $10,000.00 | $10,000.00 | 0.10% | 0.10% | Monthly |
| 10,000 to 24,999.99 | $10,000.00 | $10,000.00 | 0.25% | 0.25% | Monthly |
| 25,000 to 99,999.99 | $10,000.00 | $10,000.00 | 0.50% | 0.50% | Monthly |
| 100,000 to 249,999.99 | $10,000.00 | $10,000.00 | 1.51% | 1.50% | Monthly |
| 250,000 to 499,999.99 | $10,000.00 | $10,000.00 | 2.63% | 2.60% | Monthly |
| 500,000.00 to 999,999.99 | $10,000.00 | $10,000.00 | 2.89% | 2.85% | Monthly |
| 1,000,000.00 & over | $10,000.00 | $10,000.00 | 3.66% | 3.60% | Monthly |
Available to businesses only. No Public Fund or Government accounts. $20 monthly service fee if $10,000 minimum balance is not maintained.
Certificate of Deposits/IRA's
| Product | Minimum Balance | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|
| 7-31 Day | $1,000.00 | 0.05% | 0.05% | At Maturity |
| 91 Day | $1,000.00 | 0.05% | 0.05% | Monthly |
| 90 Day Tiered | $1,000 to $9,999.99 | 0.05% | 0.05% | Monthly |
| 90 Day Tiered | $10,000 to $24,999.99 | 0.10% | 0.10% | Monthly |
| 90 Day Tiered | $25,000.00 & over | 0.15% | 0.15% | Monthly |
| 6 Month | $1,000.00 | 0.25% | 0.25% | Monthly |
| 9 Month | $1,000.00 | 0.30% | 0.30% | Monthly |
| 12 Month | $1,000.00 | 0.40% | 0.40% | Monthly |
| 18 Month | $1,000.00 | 0.40% | 0.40% | Monthly |
| 23 Month | $1,000.00 | 0.45% | 0.45% | Monthly |
| 24 Month | $1,000.00 | 0.45% | 0.45% | Monthly |
| 30 Month | $1,000.00 | 0.45% | 0.45% | Monthly |
| 36 Month | $1,000.00 | 0.55% | 0.55% | Monthly |
| 38 Month | $1,000.00 | 0.55% | 0.55% | Monthly |
| 42 Month | $1,000.00 | 0.60% | 0.60% | Monthly |
| 18 Month Variable IRA | $100.00 | 0.40% | 0.40% | Monthly |
Christmas/Vacation Club
| Product | Minimum Opening Balance | Minimum to avoid monthly fees | Minimum balance to earn interest | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|---|
| Christmas/Vacation Club - CPN* | $1.00 | $0.00 | $0.00 | 0.05% | 0.05% | Annually |
| Christmas/Vacation Club - AT* | $1.00 | $0.00 | $0.00 | 0.10% | 0.10% | Annually |
*Christmas Club — must be auto transfer payment account only.
Health Savings Accounts
| Minimum balance to earn interest | Minimum Opening Balance | Minimum to avoid monthly fees | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| 0.00 to 499.99 | $50.00 | $1,500.00 | 0.01% | 0.01% | Monthly |
| 500 to 1,999.99 | $50.00 | $1,500.00 | 0.01% | 0.01% | Monthly |
| 2,000 to 4,999.99 | $50.00 | $1,500.00 | 0.05% | 0.05% | Monthly |
| 5,000 to 14,999.99 | $50.00 | $1,500.00 | 0.20% | 0.20% | Monthly |
| 15,000 & over | $50.00 | $1,500.00 | 0.25% | 0.25% | Monthly |
Investment Checking
| Minimum balance to earn interest | Minimum Opening Balance | Minimum to avoid monthly fees | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| 0.00 to 9,999.99 | $5,000.00 | $10,000.00 | 0.10% | 0.10% | Monthly |
| 10,000 to 24,999.99 | $5,000.00 | $10,000.00 | 0.15% | 0.15% | Monthly |
| 25,000 to 49,999.99 | $5,000.00 | $10,000.00 | 0.25% | 0.25% | Monthly |
| 50,000 to 99,999.99 | $5,000.00 | $10,000.00 | 0.45% | 0.45% | Monthly |
| 100,000.00 & over | $5,000.00 | $10,000.00 | 0.85% | 0.85% | Monthly |
Kasasa Cash*
| Minimum balance to earn interest | Minimum Opening Balance | Minimum to avoid monthly fees | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| $0.00 to 15,000.00 | $100.00 | $0.00 | 2.78% | 2.75% | Monthly |
| Over 15,000.00 | $100.00 | $0.00 | 1.00% | 1.00% | Monthly |
*Kasasa Cash — must have at least 16 debit card purchases post and settle, recieve eStatement and at least one direct deposit.
Kasasa Saver*
| Minimum Opening Balance | Minimum to avoid monthly fees | Minimum balance to earn interest | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| $100.00 | $0.00 | $0.00 | 1.00% | 1.00% | Monthly |
*Kasasa Saver — must have a linked Kasasa Cash or Kasasa Cash Back checking account.
Personal Savings & Checking
| Product | Minimum Opening Balance | Minimum to avoid monthly fees | Minimum balance to earn interest | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|---|
|
Christmas/Vacation Club - CPN* Christmas/Vacation Club - AT* |
$1.00 | $0.00 | $0.00 | 0.10% 0.20% |
0.10% 0.20% |
Annually |
| Kasasa Saver* | $100.00 | $0.00 | $0.00 | .90% | .90% | Monthly |
|
Rewards Savings* |
$50.00 | $0.00 | $0.00 | .90% | .90% | Monthly |
| Statement Savings | $50.00 | $300.00 | $50.00 | 0.10% | 0.10% | Quarterly |
| Super Saver | $5,000.00 | $5,000.00 | $50.00 to $4,999.99 | 0.10% 0.15% |
0.10% 0.15% |
Quarterly |
| Bank Advantage | $100.00 | $1,000.00 | $0.00 | 0.05% | 0.05% | Monthly |
| Blue Chip MMIA | $2,500.00 | $2,500.00 |
$0.00 to 9,999.99 10,000 to 24,999.99 25,000 to 49,999.99 50,000 to 99,999.99 100,000 to 249,999.99 Over 250,000.00 |
0.05%
0.35%
0.40%
0.60%
0.75%
0.95% |
0.05%
|
Monthly |
| Investment Checking | $5,000.00 | $10,000.00 |
$0.00 to 9,999.99 10,000 to 24,999.99 25,000 to 49,999.99 50,000 to 99,999.99 Over 100,000.00 |
0.05% 0.25%
0.35% 0.50% 0.60% |
0.05%
0.25%
|
Monthly |
| Kasasa Cash* | $100.00 | $0.00 |
$0.00 to 15,000.00 Over to 15,000.00 |
2.75% 0.50% |
2.72% 0.50% |
Monthly |
| Rewards Checking* | $100.00 | $0.00 |
$0.00 to 25,000.00 Over to 25,000.00 |
1.26% 0.50% |
1.25% 0.50% |
Monthly |
| Health Savings Account | $50.00 | $1,500.00 |
$0.00 to 499.99 500 to 1,999.99 2,000 to 4,999.99 5,000 to 14,999.99 Over to 15,000 |
0.01% 0.05% 0.05% 0.10% 0.20% |
0.01% 0.05% 0.05% 0.10% 0.20% |
Monthly |
Fees may reduce earnings on some interest-bearing accounts.
Balances must be at least $0.01 to earn interest.
Rates and APYs may change after the account is opened or anytime thereafter.
*Kasasa Saver — must have a linked Kasasa Cash or Kasasa Cash Back checking account.
*Rewards Savings — must have a linked Rewards Plus Checking account.
*Kasasa Cash — must have at least 16 debit card purchases post and settle, recieve eStatement and at least one direct deposit.
*Rewards Checking — must have at least 11 debit card purchases post and settle, receive eStatement and at least one ACH debit or direct deposit.
*Christmas Club — must be auto transfer payment account only.
Rewards Checking
| Minimum balance to earn interest | Minimum Opening Balance | Minimum to avoid monthly fees | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| $0.00 to 25,000.00 | $100.00 | $0.00 | 1.26% | 1.25% | Monthly |
| Over 25,000.00 | $100.00 | $0.00 | 0.90% | 0.90% | Monthly |
*Rewards Checking — must have at least 11 debit card purchases post and settle, receive eStatement and at least one ACH debit or direct deposit.
Rewards Savings
| Minimum Opening Balance | Minimum to avoid monthly fees | Minimum balance to earn interest | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| $50.00 | $0.00 | $0.00 | 1.00% | 1.00% | Monthly |
*Rewards Savings — must have a linked Rewards Plus Checking account.
Statement Savings
| Minimum Opening Balance | Minimum to avoid monthly fees | Minimum balance to earn interest | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| $50.00 | $300.00 | $50.00 | 0.05% | 0.05% | Quarterly |
Super Savings
| Minimum Opening Balance | Minimum to avoid monthly fees | Minimum balance to earn interest | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| $5,000.00 | $5,000.00 | $50.00 to $4,999.99 | 0.05% | 0.05% | Quarterly |
| $5,000.00 | $5,000.00 | $5,000.00 & over | 0.05% | 0.05% | Quarterly |
