Pay for checking? How about the other way around? Here at SouthPoint Bank, we believe access to your own money should be free. We'll even pay you really high interest, plus ATM fee refunds nationwide!*

And there's no monthly service charge or minimum balance to keep. All you have to do to earn your rewards are things you probably do anyway, like using online banking and your debit card. It's easy — do you Kasasa?®


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  • Free checking account that pays really high interest
  • Earn 2.10% APY* on balances up to $25,000
  • Earn 0.25% APY* on balances over $25,000
  • Earn 0.03% APY* if qualifications aren't met
  • Get refunds on ATM fees nationwide*
  • Enjoy unlimited check writing
  • Linked to your free Kasasa Saver® savings account
  • Have your Kasasa Cash rewards transferred to Kasasa Saver for automatic savings
  • No minimum balance to maintain
  • No monthly service charge
  • 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 Our Highest Rate

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 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, 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 and $25 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Foreign ATM fees incurred during qualification cycle will be reimbursed up to $10 and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 2.10%; and (3) balances over $25,000 earn 0.25% interest rate on the portion of the balance over $25,000. If qualifications are not met on Kasasa Cash all balances earn 0.03 % APY. Qualifying transactions must post to and settle in Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle 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. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash 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 portion of balance over $25,000. If qualifications are not met on Kasasa Cash, all balances in 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.