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  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash® checking
  • Automatic transfers of Kasasa Cash earnings
  • 1.00% APY* on balances up to $50,000
  • 1.00% to 0.50% APY on balances over $50,000 depending on balance in account*
  • 0.05% APY* if qualifications are not met in Kasasa Cash
  • No monthly maintenance fees
  • No minimum balance to earn rewards
  • Free digital banking services, including:
    • Free online banking
    • Free e-statements
    • Free mobile banking
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, non-retail payment 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 the statement cycle preceding the current statement cycle. See our website at www.warsawfederal.com or contact one of our branch service representatives at 513-244-6900 for specific Monthly Qualification Cycle dates. "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. See our website at www.warsawfederal.com or contact one of our branch service representatives at 513-244-6900 for specific Statement Cycle dates.

Reward Information:
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000.00 in your Kasasa Cash account earn an interest rate of 3.203% resulting in a non-compounding Annual Percentage Yield* (APY) of 3.25%; and daily balances over $25,000.00 earn an interest rate of 0.250% on the portion of the daily balance over $25,000.00 resulting in a non-compounding range from 3.25% to 0.85% APY depending on the account's daily balance. In addition, daily balances up to and including $50,000.00 in your Kasasa Saver account earn an interest rate of 0.996% resulting in an APY of 1.00% and daily balances over $50,000.00 earn an interest rate of 0.250% on the portion of the daily balance over $50,000.00 resulting in a range from 1.00% to 0.50% APY depending on the Kasasa Saver account's daily balance. You will receive reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during the Monthly Qualification Cycle in which you qualified. When your Kasasa Cash qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.0499% resulting in a non-compounding annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. In addition, the entire daily balance in the Kasasa Saver account earns an interest rate of 0.0499% resulting in an annual percentage yield of 0.05%. Interest will be credited to your Kasasa Cash and Kasasa Saver accounts on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. * Note: The interest earned within the Kasasa Cash account does not compound at the listed rate after 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. APY = Annual Percentage Yield. APYs accurate as of 08/31/2019 APY calculations are based on an assumed balance of $25,000.00 + $100,000 in your Kasasa Cash account and $50,000.00 + $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. $100.00 minimum deposit is required to open the Kasasa Cash account. $100.00 minimum deposit is required to open the Kasasa Saver account. Limit of 1 account(s) per SSN.

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 12 debit card purchases
  • Be enrolled in and log into online banking
  • Be enrolled in and have agreed to 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. 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, transactions, non-retail payment 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 the statement cycle preceding the current statement cycle. "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. 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 account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. 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:
Experian is a registered trademark of Experian Information Solutions, Inc. Kasasa, Kasasa Cash, Kasasa Saver and Kasasa Protect are trademarks of Kasasa, Ltd., registered in the U.S.A.

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