Your balance is your ticket to higher interest

Earn 6.00% APY* on balances up to $50,000 while enjoying truly free checking.

Benefits You'll Love

  • Earn competitive interest on balances
  • Really free checking with no monthly maintenance fees
  • Easily put your savings in auto-pilot with Kasasa Saver®
  • Bank more conveniently with digital banking services

*Qualification Information:

To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH credit, or ACH payment transaction(s)
  • At least 25 debit card purchases
  • Be enrolled in and receive e-statements rather than paper statements

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.

"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.

Visit our website at www.bankoftescott.com or contact us at 785-825-1621 and ask for specific Monthly Qualification Cycle dates.

Reward Information:

  • When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $50,000 in your Kasasa Cash account earn an interest rate of 5.8411% resulting in an APY of 6% and daily balances over $50,000 earn an APY of .50% on the portion of the daily balance over $50,000, resulting in a non-compounding range from 6.00%; to 2.33% APY depending on the account's daily balance.
  • Kasasa Saver:  the entire daily balance in your Kasasa Saver account earn an interest rate of 1.9819% resulting in an APY of 2.00%. 

When your Kasasa Cash qualifications are not met, the interest rate earned on your Kasasa Cash entire daily balance will be 0.05% resulting in a non-compounding APY of 0.05% and the entire daily balance in your Kasasa Saver account earns an interest rate of 0.05% resulting in an annual percentage yield of 0.05%.

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

APY = Annual Percentage Yield.

APYs accurate as of 6/22/2023. APY calculations are based on an assumed balance of $150,000 in your Kasasa Cash account and $9,999,999 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; rates may change 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.

$50 minimum deposit is required to open the account.

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.

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

Contact one of our bank service representatives 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.

Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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2. Loan Details
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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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What is the compounding interval?
  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Total paid $0
  • Total interest paid $0

Certificates of Deposit (CDs) ($0 - $9,999.99)

Term Interest Rate APY
3 Months 0.31% 0.31%
6 Months 4.56% 4.64%
9 Months 4.56% 4.64%
12 Months 3.88% 3.94%
15 Months 3.79% 3.84%
18 Months 3.69% 3.74%
19 Months 3.69% 3.74%
24 Months 1.73% 1.84%
30 Months 1.83% 1.84%
36 Months 1.83% 1.84%
42 Months 1.83% 1.84%
48 Months 2.02% 2.04%
60 Months 2.02% 2.04%

Interest compounds semi-annually; automatically renews.

$1,000.00 Minimum Opening Balance on all CDs.

IRA rates are the same as rates paid on CDs over $10,000.00.

Substantial Penalty for Early Withdrawal.

ACCOUNTS INSURED BY THE FDIC.

Notice to Consumers: Contact bank employees for more information.

Certificates of Deposit (CDs) ($10,000+)

Term Interest Rate APY
3 Months 0.66% 0.66%
6 Months 4.90% 4.99%
9 Months 4.90% 4.99%
12 Months 4.20% 4.29%
15 Months 4.13% 4.19%
18 Months 4.03% 4.09%
19 Months 4.03% 4.09%
24 Months 2.07% 2.09%
30 Months 2.17% 2.19%
36 Months 2.17% 2.19%
42 Months 2.17% 2.19%
48 Months 2.37% 2.39%
60 Months 2.37% 2.40%

Interest compounds semi-annually; automatically renews.

$1,000.00 Minimum Opening Balance on all CDs.

IRA rates are the same as rates paid on CDs over $10,000.00.

Substantial Penalty for Early Withdrawal.

ACCOUNTS INSURED BY THE FDIC.

Notice to Consumers: Contact bank employees for more information.

Children Savings

Interest Rate APY Compounded
0.10% 0.10% Daily

Minimum to avoid service charge is $5.00.

Club 50 Account

Interest Rate APY Compounded
0.10% 0.10% Monthly

To qualify you must be 50 or over and have $5,000 in deposits. Initial minimum deposit required is $100.00

Executive Money Market

Balance Interest Rate APY
$9,999.99 OR LESS 0.32% 0.32%
$10,000 - $49,999.99 0.47% 0.47%
$50,000 - $99,999.99 0.64% 0.64%
$100,000 - $149,999.99 0.72% 0.72%
$150,000 - $199,999.99 0.80% 0.80%
$200,000 - $499,999.99 0.96% 0.96%
$500,000 AND OVER 1.12% 1.13%

Free Kasasa Cash Back*

Cash Back Rate Purchase Limit Max Reward
5.00% $200 $10/month

eStatements, via Online Banking, are required to open and maintain the account.

Qualifications

It's so easy to qualify, you're probably already doing it! Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 1 direct deposit or ACH payment
  • At least 12 debit card purchases

Even if you don't meet your qualifications during the cycle, your Kasasa Cash Back account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month!

Free Kasasa Cash*

Tier Interest Rate APY
0 - $50,000 5.84% 6.00%
$50,000+ 0.50% 6.00% to 2.33%
Qualifications not met 0.05% 0.05%

eStatements, via Online Banking, are required to open and maintain the account.

Qualifications

It's so easy to qualify, you're probably already doing it! 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 1 direct deposit or ACH payment
  • At least 25 debit card purchases

Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month!

Free Kasasa Saver*

Tier Interest Rate APY
All Amounts (no cap) 1.98% 2.00%
Qualifications not met 0.05% 0.05%

eStatements, via Online Banking, are required to open and maintain the account.

Qualifications

Qualifying for Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver rate too. Simply do the following activities and transactions in your Kasasa Cash or Kasasa Cash Back account each monthly qualification cycle:

Kasasa Cash

  • Be enrolled and receive your monthly account statement electronically
  • At least 1 direct deposit or ACH payment
  • At least 25 debit card purchases

Kasasa Cash Back:

  • Be enrolled and receive your monthly account statement electronically
  • At least 1 direct deposit or ACH payment
  • At least 12 debit card purchases

Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month!

Legacy Money Market

Balance Interest Rate APY
$9,999.99 OR LESS 0.32% 0.32%
$10,000 - $49,999.99 0.47% 0.47%
$50,000 - $99,999.99 0.64% 0.64%
$100,000 - $149,999.99 0.72% 0.72%
$150,000 - $199,999.99 0.80% 0.80%
$200,000 - $499,999.99 0.96% 0.96%
$500,000 AND OVER 1.12% 1.13%

Money Market

Balance Interest Rate APY
$0 - $3,999.99 0.10% 0.10%
$4,000+ 0.17% 0.17%

Minimum to avoid Service Charge: $500.00.

NOW Checking

Interest Rate APY Compounded
0.10% 0.10% Monthly

Minimum to avoid service charge is $500.00.

Statement Savings

Interest Rate APY Compounded
0.10% 0.10% Daily

Initial minimum deposit required is $50.00