4 Ways Your Free Checking Account is Failing You

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Free Checking is Not Enough

There was a time when it was enough for banks to offer free checking accounts. And for many banks, it still is—in fact, it’s become the norm.

But the financial world is always changing, which is why we’ve partnered with Kasasa to make sure your money works beyond what other banks have told you is possible. We want to show you new ways to make your money work for you, and do what we can to give you an experience that goes above and beyond the norm.

Here are four ways your free checking just isn’t cutting it anymore—and four ways our Kasasa checking accounts will outshine baseline free checking every time.

1. You’re Not Getting Enough (Or Any) Interest

Most free checking accounts don’t offer interest. Sure, you’re not paying for the checking account outright, and maybe your bank is even waiving all of the fees and service charges that could be associated with it. But did you know that you could be earning money on top of it all?

With a free Kasasa Cash* checking account, you can earn up to 2.51% interest on the money in your account on balances up to $25,000.* (A 0.30% interest on balances greater than $25,000 if qualifications are met and 0.03% on any balance if qualifications are not met.*) To most banks, it’s unheard of. To us, it’s simply the way we do business.

2. You’re Stuck Using Only Certain ATMs

If you use a local bank, everything’s cool when you’re hanging out in your hometown. But what happens when you need cash during a night out, vacation, or work trip? Borrowing from friends, family members, and co-workers gets old fast, and a $3 surcharge to withdraw $20 of your own money feels like highway robbery.

Skip the ATM fees and use any ATM you want, anywhere you want nationwide, with a Kasasa Cash or Kasasa Tunes checking account. Simply withdraw the money you need and we’ll reimburse you for up to $20 in ATM fees every qualifying month.*

3. You’re Just A Number

We hear it all the time—people who bank with large national (and international) banks feel like they’re “just a number”, like their bank is simply using them to collect fees and not really serving them.

At Plains Commerce Bank, personal banking is actually personal—you’ll have the option to meet your banker face-to-face, give us a call whenever you have a question, and even interact with us within your local community.

We’re not only invested in the same community you are—we’re invested in your financial success. So let us know if you’re interested in Kasasa Cash or Kasasa Tunes and we’ll get everything set up for you.

4. You’re Not Getting Great Rewards

For a lot of Americans, the choice of which credit card to use comes down to the rewards that they offer. Why should banking decisions be any different?

When you choose Kasasa accounts through Plains Commerce Bank, you’re choosing a great banking platform with great rewards. Simply use the debit card that comes free with your Kasasa Tunes account and, sign up for e-statements, and utilize our online/mobile banking** and:

  • Get $20 to spend on iTunes®, Amazon®, or Google Play™ when you open your Kasasa Tunes account**
  • Get reimbursed for up to $8 per month for purchases from iTunes®, Amazon®, or Google Play™**
  • Get up to $20 per month in ATM fee reimbursement**

Get Paid To Bank.

You’re not stuck with your current free checking account. Switching isn’t as painful as everyone makes it out to be. Try out Kasasa Cash or Kasasa Tunes today and begin earning rewards beyond what you’ll find at any other bank.

 

 

*Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. To qualify for rewards, each qualification cycle you must have at least 12 debit card purchases post and settle to your account, log in to your online banking account at least one time per qualification cycle and receive electronic statements.  ATM transactions do not count towards the 12 qualifying debit card purchases.  Monthly qualification cycle means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to close of the current statement cycle.  Up to $20.00 in nationwide (domestic) ATM fees will be refunded when qualifications are met during that monthly qualification cycle. Rates may change after account opening or at our discretion. Rates are accurate as of 5/19/16.  APY= Annual Percentage Yield.  Fees may reduce earnings. Limit 1 account per social security number.  Contact us for additional information, details, restrictions, processing limitations and enrollment instructions. Kasasa & Kasasa Cash are trademarks of BancVue Ltd., registered in the U.S.A.

**Qualifications 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. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. To qualify for rewards, each qualification cycle you must have at least 12 debit card purchase post and settle to your account, log in to your online banking account at least one time per qualification cycle and receive electronic statements.  ATM transactions do not count towards the 12 qualifying debit card purchases.  Up to $20.00 in nationwide (domestic) ATM fees will be refunded when qualifications are met during that monthly qualification cycle.  Reward Information: When your Kasasa Tunes account qualifications are met during a Monthly Qualification Cycle, you will receive refunds up to $8.00 to use for iTunes, Amazon.com, & GooglePlay purchases.  When Kasasa Tunes qualifications are not met, You will not receive the refund of $8.00 and ATM fees are not refunded. Kasasa Tunes refunds and ATM fee reimbursements will be credited to your Kasasa account on the last day of the statement cycle.  Rewards are variable and may change after account is opened or at our discretion. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact a bank service representative for additional information, details, restrictions, processing limitations and enrollment instructions. iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com Inc. Google Play is a registered trademark of Google Inc. Apple Inc., Amazon.com and Google are not participants in or sponsors of this program.  Kasasa is a trademark of BancVue Ltd., registered in the U.S.A.