Kasasa Checking

Checking that pays you high dividends and refunds on ATM Withdrawal Fees, Nationwide*

Checking that pays you?  Now that’s something really special. That’s Kasasa Cash®. Some interest-bearing accounts reserve the better rates for the bigger balances.  We flipped the script on that. 

Earn 2.25% APY* on balances up to $10,000! But that’s not all.  We’ll pay you refunds on ATM withdrawal fees all across the country!*  So, stop paying for your money — let us pay you instead.

Compare Kasasa Checking accounts and open your account online today! 

Kasasa Cash

Kasasa Cash Back

Description Opportunity to earn higher rates and receive ATM fee refunds Opportunity to earn cash back and receive ATM fee refunds
Minimum Opening Deposit $100 $100
Minimum Balance None None
Monthly Maintenance Fee (if below minimum) None None
Fee per Check Written/Withdrawals None None
Earns Interest or Cash Back 2.25% APY on all balances up to and including $10,000 and 0.05% APY on balances over $10,000 per monthly qualification cycle* 2.00% cash back on debit card purchase up to $300 in total purchases; up to $6 total cash back per monthly qualification cycle*
Other To earn higher rates and receive ATM fee refunds, you must perform the following each qualification cycle:*

  • 12 debit card transactions (excluding ATM transactions)
  • One Direct Deposit or one ACH Auto Debit
  • Receive an electronic statement
To earn cash back and receive ATM fee refunds, you must perform the following each qualification cycle:*

  • 12 debit card transactions (excluding ATM transactions)
  • One Direct Deposit or one ACH Auto Debit
  • Receive an electronic statement
Open Account Open Account

*Qualifying transactions must post to and settle to your Kasasa Checking account during the monthly qualfication cycle. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close fo the current statement cycle.


Checking Accounts in Quad Cities & Stateline IL & WI

SENB has been committed to the prosperity of the Quad Cities and our neighboring communities since 1961, and we are now proudly serving the Stateline community since 2019. We work hard to make your financial life the best it can be by providing you personal service, high-tech solutions, and innovative products. SENB team members are trained and prepared to provide you with a banking experience that is Smart. Easy. Notably Better. Contact us, visit your nearest location, or open a checking account online today! 

All accounts have access to Online Banking, Online Bill Pay, Mobile Banking**, eStatements, Visa® Debit Cards, Safe Deposit Boxes, Telephone Banking, Gift and Travel Cards, and thousands of convenient ATMs. Learn more!


What’s the difference between Kasasa Saver and traditional Savings Accounts?

Have you struggled with your savings goals in the past? Kasasa Saver accounts are designed to make saving money more intuitive and automatic. And when your Kasasa Checking and Kasasa Savings accounts are linked, your money will work harder for you. Any interest or cash reward you earn in Kasasa Cash or Cash Back accounts will be automatically deposited into your Kasasa Saver account. You can also set up automatic transfers to increase your savings and earn more interest.

Looking for one of the best savings accounts in Quad Cities or the Stateline region? Kasasa Saver is free (no monthly service fee) and offers interest rates higher than the national average. Contact us, visit your nearest location, or open a Kasasa Saver account online today!


Centsible Saving

Are you looking for a way to build your savings faster? Add the Centsible Saving feature to any SENB Bank personal checking account for an effortless way to save! Whenever you make a debit card purchase, the total will automatically “round up” to the next dollar. We will deposit the difference in an account of your choice.

Benefits of Centsible Saving

SENB makes it easy to grow your savings when you make purchases with your debit card:

  • Everyday purchases add up to extra deposits in the account of your choice.
  • The more you use your enrolled debit card, the more change you’ll collect.

Enroll in Centsible Saving today!

Grow your savings faster with the everyday purchases you already make. To add the Centsible Saving feature to your checking account, visit one of our banking centers in the Quad Cities, the Stateline Region and neighboring communities or contact us today!


Kasasa Cash

When the Kasasa Cash Checking qualifications are not met, ATM withdrawal fees are not refunded and the interest rate on your account will be 0.01% and the annual percentage yield will be 0.01%.

When the Kasasa Cash Checking qualifications are met, the interest rate on your account and corresponding annual percentage yield will be tiered.  If the daily balance is less than $10,000.01, the interest rate paid on that portion of the balance will be 2.23%.  The annual percentage yield for this tier will be 2.25%.  if the daily balance is more than $10,000.00 the interest rate paid on that portion of the balance will be 0.05%.  The annual percentage yield for this tier will range from 2.25% to 0.05%.  Interest begins to accrue on the business day you deposit noncash items (for example, checks). Rates as of 01/03/2017.

Qualifications

To qualify for Kasasa Cash rates and receive reimbursements on your ATM fee surcharges, your Kasasa Cash Checking account must meet the following qualifications during the monthly qualification cycle:

  • Have at least 12 debit card purchases post and clear
  • Have at least 1 ACH payment or direct deposit post and clear
  • Receive eStatements

Please note that transactions MUST post and clear to your account during the monthly qualification cycle. Transactions in a pending status do not qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post and clear an account. The following transactions do not count toward account rewards: ATM-processed transactions, transfers between accounts, non-retail 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.

As indicated in the Truth in Savings disclosure for your Kasasa Cash Checking account, if you have met your qualifications for the month, we will reimburse you for all domestic ATM fees incurred in your Kasasa Cash Checking account.  ATM fee reimbursements will be credited to your Kasasa Cash Checking account on the last day of the current statement cycle.  If an individual ATM fee is $5.00 or higher, you must contact us for reimbursement, with your receipt, within sixty (60) calendar days of the withdrawal transaction.  When Kasasa Cash qualifications are not met, no ATM fees will be refunded.

When you use an ATM not owned by us, you may be charged a fee by the ATM operator or network. You may be charged a fee for a balance inquiry even if you do not complete a fund transfer or withdrawal.

Monthly Qualification Cycle and Monthly Statement Cycle Explanation 

“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. Your account will be automatically qualified on that one day prior to the first day of the current statement cycle. What this means for you is if you did not qualify for the higher preferred rate, you might notice a slightly higher than the base rate APY earned on your statement due to the one day (the last day) being calculated with the higher preferred rate. The qualification cycle is the 21st of the month through the 20th of the next month. The qualification cycle may end earlier if the 20th falls on a weekend or holiday.

Cycle Date Information

Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates.  Please refer to your account’s Truth in Savings disclosure for your account’s specific qualifications.  To qualify for your account’s rewards, all of your account’s qualifying transaction must post and settle to your Kasasa Cash account within the Monthly Qualification Cycle dates.  Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning your account’s rewards.  Account transactions and activities may take one or more days to post and settle the account and all must do so during the Monthly Qualification Cycle in order to qualify for your account’s rewards.  Click here to see your Kasasa Cycle Date Information.

Other Account Information

Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield.

SENB reserves the right to limit the number of accounts to two (2) accounts per social security number.

Other Contract Terms

To receive your monthly statement electronically, the following minimum computer hardware and software requirements must be met: One of the following operating systems: Windows XP, 2000 or Macintosh OSX. A secure session is established by using Secure Socket Layer (SSL) encryption and a compatible browser, such as; Internet Explorer 7.0, Netscape 7.2, Mozilla Firefox 1.0 or Safari 1.2.

If you choose not to have electronic delivery of eStatements, your account will be converted to a SENB Essential Checking account after three (3) monthly qualification cycles.


Kasasa Cash Back

When Kasasa Cash Back qualifications are not met, no cash back payments are made, and ATM withdrawal fees are not refunded. 

When the Kasasa Cash Back qualifications are met during a monthly qualification cycle, you will receive 2.00% cash back on up to a total of $300 in debit card purchases that post and settle to the account during that qualification cycle.  A maximum of $6.00 cash back may be earned per monthly qualification cycle.  Kasasa Cash Back Checking Payments will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. 

Qualifications

To qualify for Kasasa Cash Back rewards and receive reimbursements on your ATM fee surcharges, your Kasasa Cash Back Checking account must meet the following qualifications during the monthly qualification cycle:

  • Have at least 12 debit card purchases post and clear
  • Have at least 1 ACH payment or direct deposit post and clear
  • Receive eStatements

Please note that transactions MUST post and clear to your account during the monthly qualification cycle. Transactions in a pending status do not qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post and clear an account. The following transactions do not count toward account rewards: ATM-processed transactions, transfers between accounts, non-retail 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.

As indicated in the Truth in Savings disclosure for your Kasasa Cash Back Checking account, if you have met your qualifications for the month, we will reimburse you for all domestic ATM fees incurred in your Kasasa Cash Back Checking account.  ATM fee reimbursements will be credited to your Kasasa Cash Back Checking account on the last day of the current statement cycle.  If an individual ATM fee is $5.00 or higher, you must contact us for reimbursement, with your receipt, within sixty (60) calendar days of the withdrawal transaction.  When Kasasa Cash Back qualifications are not met, no ATM fees will be refunded.

When you use an ATM not owned by us, you may be charged a fee by the ATM operator or network. You may be charged a fee for a balance inquiry even if you do not complete a fund transfer or withdrawal.

Monthly Qualification Cycle and Monthly Statement Cycle Explanation 

“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. Your account will be automatically qualified on that one day prior to the first day of the current statement cycle. What this means for you is if you did not qualify for the higher preferred rate, you might notice a slightly higher than the base rate APY earned on your statement due to the one day (the last day) being calculated with the higher preferred rate. The qualification cycle is the 21st of the month through the 20th of the next month. The qualification cycle may end earlier if the 20th falls on a weekend or holiday.

Cycle Date Information

Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates.  Please refer to your account’s Truth in Savings disclosure for your account’s specific qualifications.  To qualify for your account’s rewards, all of your account’s qualifying transaction must post and settle to your Kasasa Cash account within the Monthly Qualification Cycle dates.  Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning your account’s rewards.  Account transactions and activities may take one or more days to post and settle the account and all must do so during the Monthly Qualification Cycle in order to qualify for your account’s rewards.  Go to SENB.com to see your Kasasa Cycle Date Information.

Other Account Information

Rates, rewards and bonuses are variable and may change after account is opened. Fees may reduce earnings.

SENB reserves the right to limit the number of accounts to two (2) accounts per social security number.

Other Contract Terms

To receive your monthly statement electronically, the following minimum computer hardware and software requirements must be met: One of the following operating systems: Windows XP, 2000 or Macintosh OSX. A secure session is established by using Secure Socket Layer (SSL) encryption and a compatible browser, such as; Internet Explorer 7.0, Netscape 7.2, Mozilla Firefox 1.0 or Safari 1.2.

If you choose not to have electronic delivery of eStatements, your account will be converted to an SENB Essential Checking account after three (3) monthly qualification cycles.

Interest will be compounded on your Kasasa Cash account on a monthly basis. Interest will be credited to your account on the last day of the statement cycle. If you close your account before interest is credited, you WILL NOT receive the accrued interest. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

**There is no charge for Mobile Banking, but your mobile phone service provider may charge for text messages and/or web access, and access outside the United States may be limited by your service provider. Be sure to check your service plan for additional details. iPhone, Apple and App Store are trademarks of Apple Inc. Google Play and Android are trademarks of Google Inc.

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