pen on top of open checkbook

Personal Checking

Below is a list of our checking options.

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Kasasa Cash

There are a lot of checking accounts out there. But not many that pay you up to 2.50% APY* and ATM fee refunds— not just at home, but nationwide.

Learn More Open an Account

Kasasa Cash is a free, high-interest checking that pays you 2.50%APY in cash every monthly qualification cycle you qualify*. That’s right. Cash. No short-term offers and no hidden costs. After all, it’s your money, so you should benefit the most from it.

Summary

 

Earning Rewards is Easy:

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Have at least one pre-arranged, recurring direct deposit or one ACH auto debit post and settle
  • Be enrolled and agree to receive e-Statements

If you don’t meet the qualifications one month…no worries! Your account is still free and still earns interest at our base rate. And you can get back to earning the full rewards the very next month!

*APY=Annual Percentage Yield. APYs accurate as of 02/02/2015. Rates may change after account is opened. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.50%; and (3) balances over $10,000 earn 0.55% interest rate on the portion of the balance over $10,000, resulting in 2.50% – 0.55% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% 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 remaining 2019 Qualification Cycle-May 14, 2019 – June 18, 2019; June 19, 2019 – July 16, 2019; July 17, 2019 – August 20, 2019; August 21, 2019 – September 17, 2019; September 18, 2019 – October 15, 2019; October 16, 2019 – November 19, 2019; November 20, 2019 – December 17, 2019. 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. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

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Kasasa Cash Back

Everyone likes a little extra cash in their pocket, right? Kasasa Cash Back® helps get you up to $7.50 cash back per month on everyday debit card purchases*. And with no monthly service fee, it also saves you money at the same time.

Learn More Open an Account

Another money saver — refunds on ATMs, nationwide*.  Whether you’re in Illinois or Indiana, make any ATM your ATM.™ with Kasasa Cash Back!

Summary
  • 2.55% cash back on debit card purchases*
  • No category restrictions on purchases
  • Cash back earned on purchases up to $300 monthly
  • Earn up to $7.50 cash back per month
  • ATM fee refunds nationwide (up to $20 monthly) *
  • Link to Kasasa Saver® to build savings automatically
  • No monthly service fees
  • No minimum balance to earn rewards
  • Unlimited checking
  • Free Digital Banking (mobile banking and online banking) with Bill Pay
  • Free eStatements
  • Free Mastercard® debit card
  • No minimum deposit to open
Earning Rewards Is Easy

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash Back account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and agree to receive e-Statements
  • Have at least 1 pre-arranged, reoccurring direct deposit or ACH auto debit post and settle

It’s as simple as that. If you don’t qualify, don’t worry. Your account is still free, and you can always get back to earning rewards the next cycle.

 

If qualifications are met each monthly qualification cycle you will receive:

(1) 2.5% 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 $7.50 cash back may be earned per Monthly Qualification Cycle.

(2) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle

*Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM 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. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

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Free E-Z Checking

It's all in the name Free "E-Z"! For starters, there is never a monthly service fee or minimum balance. You can have your statement sent through email or through your Internet Banking account.

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Truly free checking is becoming much harder to find these days. But Great Rivers Bank always remembers that your money is your money. Make the most of it.

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NOW

Earn solid interest while retaining immediate access to your day-to-day funds. Maintain a $1,000 balance to waive the $5 monthly service fee.

Learn More Open an Account

Our NOW Account is an ideal way to generate earnings without the hassle of transferring funds to and from multiple accounts. Get more from your money NOW.

See our current interest rates.

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Account Comparison

Here we show you the benefits of each of our checking accounts in a side by side comparison.

Learn More

DDA Account Products

AccountFree "E-Z" Checking Learn MoreCASH Learn MoreCASH BACK Learn MoreNOW Learn More

Account


Pays Interest

Free "E-Z" Checking Learn More


no

CASH Learn More


High Interest

CASH BACK Learn More


Cash Back

NOW Learn More


Yes

Account


Min to Open

Free "E-Z" Checking Learn More


$0

CASH Learn More


$0

CASH BACK Learn More


$0

NOW Learn More


$1,000

Account


Minimum Balance

Free "E-Z" Checking Learn More


$0

CASH Learn More


$0

CASH BACK Learn More


$0

NOW Learn More


$1,000

Account


Below Min Fee

Free "E-Z" Checking Learn More


$0

CASH Learn More


$0

CASH BACK Learn More


$0

NOW Learn More


$5

Account


Service Fee

Free "E-Z" Checking Learn More


$0

CASH Learn More


$0

CASH BACK Learn More


$0

NOW Learn More


$0

Account


Debit Card

Free "E-Z" Checking Learn More


Yes

CASH Learn More


Yes

CASH BACK Learn More


Yes

NOW Learn More


Yes

Account


Online Banking

Free "E-Z" Checking Learn More


Yes

CASH Learn More


Yes

CASH BACK Learn More


Yes

NOW Learn More


Yes

Account


Bill Pay

Free "E-Z" Checking Learn More


Yes

CASH Learn More


Yes

CASH BACK Learn More


Yes

NOW Learn More


Yes

Account


Mobile Banking

Free "E-Z" Checking Learn More


Yes

CASH Learn More


Yes

CASH BACK Learn More


Yes

NOW Learn More


Yes

Account


e-statements

Free "E-Z" Checking Learn More


Yes

CASH Learn More


Yes

CASH BACK Learn More


Yes

NOW Learn More


Yes

Account


Mailed Statement

Free "E-Z" Checking Learn More


Yes

CASH Learn More


No

CASH BACK Learn More


No

NOW Learn More


Yes

Account


ATM Refund*

Free "E-Z" Checking Learn More


No

CASH Learn More


$20 max

CASH BACK Learn More


$20 max

NOW Learn More


No

Account


Transaction Limit

Free "E-Z" Checking Learn More


No

CASH Learn More


No

CASH BACK Learn More


No

NOW Learn More


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