Fraud is on the rise – but there’s something you can do about it.
Products & Services
Enjoy More Peace of Mind
Fraud may be on the rise, but with Kasasa Protect you can stay two steps ahead of identity thieves. This one-stop strategy is like armor for your personal data and accounts. You receive 24/7 credit monitoring, identity theft protection, and more. Add this service to any of your 22nd State Checking accounts and enjoy peace of mind along with the following benefits:
- Comprehensive identity protection and restoration solution
- Immediate alerts to suspicious acdtivity
- 24/7 Credit Monitoring
- Annual Credit Reports
- Monthly Credit Score & Tracker
- Dark Web Monitoring
- Lost Wallet Protection
- Refunds on ATM withdrawal fees
- $7.99 per month for all Kasasa Checking account primary holders1
- $10.99 per month for all other 22nd State Bank checking account primary holders1
Contact us and learn how you can begin enjoying these great benefits.
- Kasasa Protect is available to a secondary accountholder listed on a joint account for an additional monthly fee of $5.
$22.00 minimum deposit is required to open the account.
Limit of 1 account per Social Security Number and one account opening bonus per account per calendar year.
If your Kasasa Cash or Kasasa Cash Back account is closed within 12 months of account opening, we will deduct the account opening bonus at closing.
Annual Percentage Yield (APY) varies by account, account balance and if qualifications are met. See Reward Information Section below for account APY information.
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) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.
Contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
Depending on what Kasasa account you have, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle:
Kasasa Cash: daily balances up to and including $25,000.00 receive an APY of 2.50%; and daily balances over $25,000.00 earn an interest rate of 0.24% 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.
Kasasa Cash Back: you will receive 3.25% cash back on up to a total of $300.00 PIN-based or signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $9.75 cash back payments may be earned per Monthly Qualification Cycle.
You will receive reimbursements up to an aggregate of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash or Kasasa Cash Back account during that Monthly Qualification Cycle. 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.
Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and:
Kasasa Cash: the entire daily balance in the Kasasa Cash account earns 0.05% APY.
Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle.
Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the first processing day of the following statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of August 20, 2019.
APY calculations are based on an assumed balance of $25,000.00 + $100,000.00 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
$22.00 minimum deposit is required to open these accounts.
Enrollment in e-Statements is a condition of these accounts.
Enrollment in electronic services (e.g. online banking) and log-ons will be required to meet some of the account’s qualifications.
Limit of 1 account of each type (Kasasa Cash or Kasasa Cash Back) per Social Security Number.
There are no recurring monthly maintenance charges or fees to open or close this account.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Kasasa, Kasasa Cash, and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.