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Kasasa Cash with PERKS Overview



  • Checking that pays interest
  • 1.25% APY* on balances up to $10,000.99
  • 1.25% to 0.15% APY on balances over $10,001 depending on balance in account*
  • 0.01% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $15 monthly)*
  • Money Savings Discounts
  • Protection Benefits
  • Online or Paper Statement
  • Free online banking & bill pay
  • Free mobile banking with mobile deposit
  • Free telephone banking
  • Free MasterCard® debit card
  • Unlimited check writing
  • Direct deposit available
  • $100 minimum deposit to open
  • $0.01 minimum balance to earn rewards
  • $6 monthly service fee

Anywhere Banking Tools

Below are some of the "perks" that come with BankFirst PERKS checking accounts. Please visit our PERKS page to learn more about the benefits that come with BankFirst PERKS accounts.

Cell Phone Protection

Cell Phone Protection1,2

Pay your cell phone bill with your BaZing checking account, and you’re covered. We’ll pay to have it repaired or replaced, up to $400 per claim (maximum of $800 per year).




Let our team of experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need.

BaZing Fuel

BaZing Fuel4

Earn 10¢/gallon for up to 20 gallons each month with just 15 debit card swipes.


Roadside Assistance

Roadside Assistance

Available 24/7 and free to use, covers up to $80 in covered
service charges.

Identity Theft Aid

ID Theft Aid1,2

Identity Restoration and Payment Card Resolution: Identity restoration specialist works on your behalf to restore your identity and cancel payment cards.

Personal Identity Theft Benefit: Receive $2,500 reimbursement for your covered expenses incurred to restore your identity.


Buyer Protection and Extended Warranty

Buyer’s Protection and Extended Warranty1,2

Your newly purchased item can be reimbursed or replaced if an accident or theft occurs within 180 days of purchase, when purchased using your BaZing (PERKS) checking account.


Accidental Death Coverage

$10,000 Travel Accidental Death Coverage2

Peace of mind for the unexpected. 



Shop Local Save Loca

Shop local, Save Local with BaZing Savings*

Local discounts and national retailer deals to save you money on shopping, dining, travel & more.

Health Savings Card

Health Savings Card

Save money on prescriptions, eye exams, frames, lenses and hearing services.




Checking Navigator Tool

Better understand how checking accounts work, how to better manage a checking account and how to avoid overdraft fees.
Launch Checking Navigator

1 Subject to the terms and conditions detailed in the Guide to Benefits.  2 Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.  3 Billshark requires additional activation to begin.  4 You’ll receive a one-time activation reward of 10¢ per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of 10¢ per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count toward the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count toward a bonus reward of 10¢ per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You’ll continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice. NOTE: Kasasa Cash is a registered trademark of Kasasa, Ltd. Registered in the U.S.A. Kasasa Tunes is a registered trademark of Kasasa, Ltd. Registered in the U.S.A., iTunes is a registered trademark of Apple Inc., is a registered trademark of, Inc., and Google Play is a registered trademark of Google, Inc. Apple Inc.,, Inc., and Google, Inc. are not participants or sponsors of this program.

Kasasa Cash Qualifications

Earning the Kasasa Cash rewards is so easy that you’re probably already doing the following every monthly qualification cycle:

  • Have at least 18 debit card purchases post and settle
  • Have at least one monthly direct deposit, automatic payment (ACH), or bill payment post and settle.

*APY=Annual Percentage Yield. APYs accurate as of 05/01/2020. Rates may change after account is opened. Fees may reduce earnings. Minimum to open is $100 for Kasasa Cash and $100 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $15 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000.99 receive APY of 1.25%; and (3) portion of balance over $10,000.99 will earn a range from 1.25% to 0.15% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.01% APY. Qualifying transactions must post to and settle 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 day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. 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. ATM receipt must be presented for reimbursement of an individual ATM fee of $10.00 or higher. ATM transactions and transfers between accounts do not count as qualifying transactions. Direct Deposits include payroll, Social Security, and other government benefits, and tax refunds. Limit one account per Social Security Number (SSN).

**(1) Cell phone protection and personal identity theft benefit are subject to additional terms and conditions. (2) Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK