Some banks charge you for checking. But here at SouthPoint we think it makes more sense to pay you cash back instead. That's right — with free Kasasa Cash Back® checking, you'll earn 3% cash back on everyday debit card purchases (not just groceries or gas) up to $250 per monthly qualification cycle.

And there's no minimum balance to keep or monthly service charge to pay. All you have to do to qualify are a few simple things that make banking easier. Sign up today!

  • Free checking account that pays 3% cash back on debit card purchases*
  • Get refunds on ATM fees nationwide*
  • Enjoy unlimited check writing
  • No minimum balance to maintain
  • No monthly service charge
  • Linked to your free Kasasa Saver® savings account
  • Have your Kasasa Cash Back rewards transferred to Kasasa Saver for automatic savings
  • Free online banking & bill pay
  • Free mobile banking
  • Free E-Statement with check images
  • Free SouthPoint Debit Card
  • $100 minimum opening deposit

How To Earn Cash Back

It's easy to earn your rewards. In fact you're probably doing most, if not all, of these things already. To earn your rewards, simply do the following activities each month on your free Kasasa Cash Back checking account:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in E-Statements
  • Log onto online banking

That's it! And if for some reason you don't meet your qualifications on Kasasa Cash Back, don't worry. Your account is still free. You can get back to earning the full rewards the very next qualification cycle.

*APY=Annual Percentage Yield. APY is accurate as of 2/25/2015. Rates may change after account is opened. Minimum to open is $100 for Kasasa Cash Back and $25 for Kasasa Saver. When monthly qualifications are met, you will receive 3% cash back on debit card purchases up to $250 that post to and settle account during monthly qualification cycle up to a total cash back of $7.50 per monthly qualification cycle. Foreign ATM fees incurred using debit card during qualification cycle will be reimbursed up to $10 if qualifications are met within monthly qualification cycle. Qualifying transactions must post to and settle account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one Banking Day prior to the first day of the current statement cycle through one Banking Day prior to the close of the current statement cycle. "Banking Day" means any business day on which an office of the bank is open to the public for the purpose of carrying out substanially all of its banking functions. Kasasa Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. If qualifications in Kasasa Cash Back are met each monthly qualification cycle: (1) balances up to $25,000 in Kasasa Saver receive an APY of 1.00%; and (2) balances over $25,000 in Kasasa Saver earn 0.25% interest rate on the portion of the balance over $25,000. If qualifications are not met on Kasasa Cash Back, all balances in the Kasasa Saver earn 0.03% APY. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.