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Overview of Accounts
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Kasasa Cash®

Earn really high interest
  • 2.50% APY* on balances up to $25,0001
  • No monthly maintenance fee
  • Nationwide ATM fee refunds (up to $25 per cycle)
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Kasasa Saver for Cash®

Grow your savings effortlessly
  • Must link to Kasasa Cash3
  • No monthly maintenance fee
  • No minimum balance to earn rewards
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Kasasa Cash Back®

Checking that pays you to shop
  • 3% cash back on debit card purchases2
  • No monthly maintenance fee 
  • Nationwide ATM fee refunds (up to $25 per cycle)
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Kasasa Saver for Cash Back®

A great addition to Kasasa Cash Back 
  • Must link to Kasasa Cash Back3
  • No monthly maintenance fee
  • No minimum balance to earn rewards
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Convenience Checking

The convenience of no monthly maintenance fee
  • No monthly maintenance fee
  • $2 monthly paper statement fee (no charge if enrolled in eStatements)
  • Identity Theft Protection 
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Platinum Checking

Available to customers 55 years of age or better
  • $5 monthly maintenance fee ($100 daily minimum balance to avoid fee)
  • Earn interest on daily balance
  • Free club checks (1 box per year)
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Interest Checking

Checking that earns interest
  • Earn interest on daily balance
  • $10 monthly maintenance fee ($1,000 daily minimum balance to avoid fee)
  • Anywhere Banking Tools
  • Identity Theft Protection 
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Perks Plus Checking

Identity theft protection, roadside assistance and more
  • Reduced monthly maintenance fee with debit card purchases
  • $6 monthly maintenance fee
  • BaZing benefits
  • $10,000 travel accidental death insurance 
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Regular Savings

A simple way to start saving today 
  • Earns interest on daily balance
  • Up to 2 withdrawals at no charge4
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Money Market

Accessible funds with high interest 
  • Earns a tiered rate of interest on daily balance
  • Up to 6 withdrawals at no charge4
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Investment Savings

Maximize your savings
  • Earns a tiered higher rate of interest on daily balance
  • Up to 6 withdrawals at no charge4
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All accounts are subject to charges listed on our fee schedule. 

 

The following disclaimers apply to all Kasasa Accounts:

*APY=Annual Percentage Yield. APYs accurate as of 07/01/2019. Rates, rewards and bonuses, if any, are variable and may change at any time after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Fees may reduce earnings. Minimum to open is $100 for Kasasa Cash and Kasasa Cash Back. $50 for Kasasa Saver. 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. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "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 last business day of the current statement cycle. "Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. "Statement Cycle" means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the account holder's account. Visit our website at www.southwestnb.com or contact one of our customer service representatives at (316) 838-5741 for specific Monthly Qualification Cycle dates and Statement Cycle dates.

 

Additional Information: Account approval, conditions qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one account per individual taxpayer identification number. This account is not to be used for commercial purposes. There are no recurring monthly maintenance charges or fees to open or close this account. 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. Contact one of our customer service representatives at (316) 838-5741 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.

 

1. KASASA CASH - When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000.00 in your Kasasa Cash account earn an interest rate of 2.4718% resulting in an APY of 2.50%; and daily balances over $25,000.00 earn an interest rate of 0.2500% on the portion of the daily balance over $25,000.00 resulting in a range from 2.50% to 0.70% APY depending on the account's daily balance. You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle, with a maximum refund of $4.99 per transaction. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Kasasa Cash qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.0500% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. When linked to the Kasasa Saver account, interest in Kasasa Cash does not compound because it is automatically transferred to the Kasasa Saver account within one day.  Note: Automatic transfer may cause an overdraft to your Kasasa Cash account, if the account’s balance is less than the transferred amount when transfer occurs. Due to non-compounding, the actual interest amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY, if the advertised APY is represented without a linked Kasasa Saver account. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. APY calculations are based on an assumed balance of $25,000.00 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Rewards less than a penny cannot be distributed.

 

2. KASASA CASH BACK - When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 3.00% cash back on up to a total of $300.00 PIN-based and/or signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle, with a maximum refund of $4.99 per transaction. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle, with a maximum refund of $4.99 per transaction. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. Rewards less than a penny cannot be distributed.

 

3. KASASA SAVER - A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. When your linked Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $100,000.00 in your Kasasa Saver account earn an interest rate of 1.2429% resulting in an APY of 1.25% and daily balances over $100,000.00 earn an interest rate of 0.2500% on the portion of the daily balance over $100,000.00 resulting in a range from 1.25% to 0.75% APY depending on the account's daily balance. When your linked Kasasa Cash or Kasasa Cash Back account qualifications are not met, the entire daily balance in the Kasasa Saver account earns an interest rate of 0.0500% resulting in an annual percentage yield of 0.05% APY. When linked to the Kasasa Saver account, interest in Kasasa Cash does not compound because it is automatically transferred to the Kasasa Saver account within one day.  Due to non-compounding, the actual interest amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY, if the advertised APY is represented without a linked Kasasa Saver account. Interest will be credited to your Kasasa Saver account on the last day of the current statement cycle. APY calculations are based on an assumed balance of $100,000.00 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.

 

4. ALL SAVINGS AND MONEY MARKET ACCOUNTS - During any calendar month, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account may be subject to closure by the financial institution.

 

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