It’s never been more rewarding to bank right down the road. Earn high interest just for keeping your money local.

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Key Features

  • Really High Interest
  • Refunds on ATM Withdrawal Fees*
  • No Monthly Maintenance Fee

Do you currently have an account with First Heritage Bank?

  • Free checking that pays high interest
  • 2.15% APY* on balances up to $15,000 (if qualifications are met)
  • 2.15% to 0.50% APY on balances over $15,000 depending on balance in account (if qualifications are met)*
  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly, if qualifications are met)*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free Mastercard® debit card 
  • Free digital banking, including:
    • Free online banking & bill pay
    • Free mobile banking with mobile deposit
    • Free eStatements
  • $100 minimum deposit to open

And it’s so easy to earn your rewards.

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • At least one direct deposit or ACH payment transaction
  • Be enrolled in and review eStatements

And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Do you currently have an account with First Heritage Bank?

*Qualification 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, 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.

"Banking Day" means any business day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions.

"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 accountholder's account.

Reward Information:

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 $15,000 receive an APY of 2.15%; and daily balances over $15,000 earn an interest rate of 0.25% on the portion of the daily balance over 15,000 resulting in a range from 2.15% to 0.25% APY depending on the account's daily balance.

Kasasa Cash Back: you will receive 3.00% cash back on up to a total of $300 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $9 cash back payments may be earned per Monthly Qualification Cycle.

Kasasa Saver: daily balances up to and including $25,000 in your Kasasa Saver account earn an APY of 0.75% and daily balances over $25,000 earn an interest rate of 1.00%% on the portion of the daily balance over $25,000, resulting in a range from 0.75% to 0.27% APY depending on the account's daily balance.

You will receive reimbursements up to $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash or Kasasa Cash Back account during the Monthly Qualification Cycle in which you qualified.

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.

Kasasa Saver: the entire daily balance in the Kasasa Saver account earns 0.05% APY.

Interest will be credited to your Kasasa Cash and Kasasa Saver accounts on the last day of the current statement cycle.

The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.

If Kasasa Cash or Kasasa Cash Back are linked to Kasasa Saver, the following also apply:

Kasasa Cash: When linked to a Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account balance is less than the transferred amount when the transfer occurs.

Kasasa Cash Back: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of 03/01/2019.

APY calculations are based on an assumed balance of $15,000 + $100,000 in your Kasasa Cash account and 25,000 + $100,000 in your Kasasa Saver 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.

Additional Information:

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

$100 minimum deposit is required to open the Kasasa Cash or Kasasa Cash Back account.

$100 minimum deposit is required to open the Kasasa Saver account.

Monthly Direct Deposit/ACH credit, enrollment in online banking, enrollment for e-statements, may be conditions of Kasasa Saver’s linked Kasasa Cash or Kasasa Cash Back accounts.

Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of Kasasa Saver's linked Kasasa Cash or Kasasa Cash Back account's qualifications.

Limit of 1 account(s) per social security number.

There are no recurring monthly maintenance charges or fees to open or close this account.

This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.

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.

Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Member FDIC.

Trademarks:

Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.