KASASA® CHECKING
Earn 4.50% APY* on Your Balance
High interest on your balance, plus nationwide ATM fee refunds — just for banking local.
Kasasa
| DECISION BASICS | |
| Earn Up To | 4.50% APY* |
| Monthly Fee | None |
| Minimum to Open | $100 |
| ATM Fee Refunds | Up to $20/month** |
Benefits
Checking That Pays You for Banking Local
Earn 4.50% APY*
High-yield interest on your full balance every month you qualify.
ATM Fee Refunds
Up to $20 in ATM fees from other banks refunded every month you qualify.
Digital Wallet Counts
Apple Pay, Google Pay, and Zelle® all count toward your 15 debit purchases.
No Monthly Fees
No maintenance fee. Miss a month? You still earn our base rate.
Included With Your Account
Convenient Services You'll Actually Use
Everything you need to move, track, and manage your money — built right into Kasasa Cash®.
Visa® Debit Card
Swipe, or add to your digital wallet — accepted everywhere Visa is.
Free Digital Banking
Online banking, mobile banking, and eStatements included at no cost.
Personal Finance Manager
Track spending, set budgets, and see all your money in one place.
How It Works
How It Works
1
Open With $100
Open online or at any branch with a $100 deposit.
2
Do What You Already Do
One direct deposit or ACH and at least 15 debit card purchases.
3
Earn 4.50% APY* + ATM Refunds
Earn 4.50% APY* and up to $20 in ATM refunds. Every qualifying month.
Qualifications for Maximum Earnings
Do What You're Already Doing
Each month, these transactions must post and settle to your Kasasa Cash® account:
1
At Least 1 Direct Deposit or ACH Payment Transaction
2
At Least 15 Debit Card Purchases
Digital wallet purchases count. ATM-processed transactions do not.
3
Be Enrolled in & Agree to Receive eStatements
Secure and takes 10 seconds to set up.
Miss a month? You still earn our base rate — and full earnings reset the next cycle you qualify.
How It Works
How It Works
1
Open With $100
Open online or at any branch with a $100 deposit.
2
Do What You Already Do
One direct deposit or ACH and at least 15 debit card purchases.
3
Earn 4.50% APY* + ATM Refunds
Earn 4.50% APY* and up to $20 in ATM refunds. Every qualifying month.
Qualifications for Maximum Earnings
Do What You're Already Doing
Each month, these transactions must post and settle to your Kasasa Cash® account:
1
At Least 1 Direct Deposit or ACH Payment Transaction
2
At Least 15 Debit Card Purchases
Digital wallet purchases count. ATM-processed transactions do not.
3
Be Enrolled in & Agree to Receive eStatements
Secure and takes 10 seconds to set up.
Miss a month? You still earn our base rate — and full earnings reset the next cycle you qualify.
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Plan With Confidence
Kasasa Cash Calculator
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Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT IS KASASA CASH® CHECKING?
Kasasa Cash® is a high-yield checking account that earns up to 4.50% APY* when you meet simple monthly qualifications. It's offered exclusively through community banks like Blue Ridge Bank.
WHAT HAPPENS IF I DON'T QUALIFY FOR KASASA CASH® ONE MONTH?
There's no penalty. You simply earn BRB's competitive base rate (0.01% APY*) for that cycle. You automatically qualify again the following month if you meet the requirements — it resets every cycle.
HOW MUCH DOES IT COST TO OPEN A KASASA CASH® ACCOUNT?
Kasasa Cash® Checking requires a $100 minimum opening deposit. There are no monthly maintenance fees.
HOW MUCH DOES KASASA CASH® REFUND IN ATM FEES?
We refund up to $20 per month in ATM fees charged by other banks, on months you qualify. This includes a combination of the ATM surcharge reimbursement and the BRB foreign ATM fee. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.
CAN I PAIR KASASA CASH® WITH KASASA SAVER®?
Yes — and you should. Kasasa Saver® is a high-yield savings account designed to work alongside Kasasa Cash®. Your monthly rewards automatically sweep into savings, building your balance with zero effort.
{endAccordions}
Money Market
Higher balances? Earn tiered rates with anytime access.
Compare Savings Accounts
CDs, HSAs, IRAs, and more ways to grow your money.
Benefits
Checking That Pays You for Banking Local
Earn 4.50% APY*
High-yield interest on your full balance every month you qualify.
ATM Fee Refunds
Up to $20 in ATM fees from other banks refunded every month you qualify.
Digital Wallet Counts
Apple Pay, Google Pay, and Zelle® all count toward your 15 debit purchases.
No Monthly Fees
No maintenance fee. Miss a month? You still earn our base rate.
Included With Your Account
Convenient Services You'll Actually Use
Everything you need to move, track, and manage your money — built right into Kasasa Cash®.
Visa® Debit Card
Swipe, or add to your digital wallet — accepted everywhere Visa is.
Free Digital Banking
Online banking, mobile banking, and eStatements included at no cost.
Personal Finance Manager
Track spending, set budgets, and see all your money in one place.
{{ kasasa-cash-rate }}
Plan With Confidence
Kasasa Cash Calculator
{{ reward-checking-calc }}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT IS KASASA CASH® CHECKING?
Kasasa Cash® is a high-yield checking account that earns up to 4.50% APY* when you meet simple monthly qualifications. It's offered exclusively through community banks like Blue Ridge Bank.
WHAT HAPPENS IF I DON'T QUALIFY FOR KASASA CASH® ONE MONTH?
There's no penalty. You simply earn BRB's competitive base rate (0.01% APY*) for that cycle. You automatically qualify again the following month if you meet the requirements — it resets every cycle.
HOW MUCH DOES IT COST TO OPEN A KASASA CASH® ACCOUNT?
Kasasa Cash® Checking requires a $100 minimum opening deposit. There are no monthly maintenance fees.
HOW MUCH DOES KASASA CASH® REFUND IN ATM FEES?
We refund up to $20 per month in ATM fees charged by other banks, on months you qualify. This includes a combination of the ATM surcharge reimbursement and the BRB foreign ATM fee. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.
CAN I PAIR KASASA CASH® WITH KASASA SAVER®?
Yes — and you should. Kasasa Saver® is a high-yield savings account designed to work alongside Kasasa Cash®. Your monthly rewards automatically sweep into savings, building your balance with zero effort.
{endAccordions}
{{ kasasa-cash-rate }}
Plan With Confidence
Kasasa Cash Calculator
{{ reward-checking-calc }}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT IS KASASA CASH® CHECKING?
Kasasa Cash® is a high-yield checking account that earns up to 4.50% APY* when you meet simple monthly qualifications. It's offered exclusively through community banks like Blue Ridge Bank.
WHAT HAPPENS IF I DON'T QUALIFY FOR KASASA CASH® ONE MONTH?
There's no penalty. You simply earn BRB's competitive base rate (0.01% APY*) for that cycle. You automatically qualify again the following month if you meet the requirements — it resets every cycle.
HOW MUCH DOES IT COST TO OPEN A KASASA CASH® ACCOUNT?
Kasasa Cash® Checking requires a $100 minimum opening deposit. There are no monthly maintenance fees.
HOW MUCH DOES KASASA CASH® REFUND IN ATM FEES?
We refund up to $20 per month in ATM fees charged by other banks, on months you qualify. This includes a combination of the ATM surcharge reimbursement and the BRB foreign ATM fee. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.
CAN I PAIR KASASA CASH® WITH KASASA SAVER®?
Yes — and you should. Kasasa Saver® is a high-yield savings account designed to work alongside Kasasa Cash®. Your monthly rewards automatically sweep into savings, building your balance with zero effort.
{endAccordions}
Helpful Links
Tools You Might Find Handy
Routing Number: 051402372
{{ kasasa-cash-rate }}
Plan With Confidence
Kasasa Cash Calculator
{{ reward-checking-calc }}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT IS KASASA CASH® CHECKING?
Kasasa Cash® is a high-yield checking account that earns up to 4.50% APY* when you meet simple monthly qualifications. It's offered exclusively through community banks like Blue Ridge Bank.
WHAT HAPPENS IF I DON'T QUALIFY FOR KASASA CASH® ONE MONTH?
There's no penalty. You simply earn BRB's competitive base rate (0.01% APY*) for that cycle. You automatically qualify again the following month if you meet the requirements — it resets every cycle.
HOW MUCH DOES IT COST TO OPEN A KASASA CASH® ACCOUNT?
Kasasa Cash® Checking requires a $100 minimum opening deposit. There are no monthly maintenance fees.
HOW MUCH DOES KASASA CASH® REFUND IN ATM FEES?
We refund up to $20 per month in ATM fees charged by other banks, on months you qualify. This includes a combination of the ATM surcharge reimbursement and the BRB foreign ATM fee. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.
CAN I PAIR KASASA CASH® WITH KASASA SAVER®?
Yes — and you should. Kasasa Saver® is a high-yield savings account designed to work alongside Kasasa Cash®. Your monthly rewards automatically sweep into savings, building your balance with zero effort.
{endAccordions}
*APY=Annual Percentage Yield. APYs accurate as of 8/1/2026. 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 and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000.99 receive APY of 4.500%; and (3) balances over $15,001.00 earn 0.050% interest rate on the portion of the balance over $15,001.00. If qualifications are not met on Kasasa Cash, all balances earn 0.010% APY. Qualifying transactions must post and settle to Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to 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 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. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.
**This includes a combination of the ATM surcharge reimbursement and the BRB foreign ATM fee.
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.
- Estimated Annual Rewards $0
- 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.
- Net cost of buying $0
- Net cost of leasing $0
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.
- Total value at maturity $0
- 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.
- Monthly deposit needed to reach goal $0
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.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Business Certificates of Deposit Rates
| Term | Interest Rate | APY* | Min. Balance |
|---|---|---|---|
| 3 – 5 Months | 1.49% | 1.50% | $1,000 |
| 6 Months | 1.59% | 1.60% | $1,000 |
| 7 – 11 Months | 1.69% | 1.70% | $1,000 |
| 12 Months | 1.79% | 1.80% | $1,000 |
| 13 – 23 Months | 1.29% | 1.30% | $1,000 |
| 24 – 35 Months | 1.34% | 1.35% | $1,000 |
| 36 – 47 Months | 1.39% | 1.40% | $1,000 |
| 48 – 59 Months | 1.44% | 1.45% | $1,000 |
| 60 Months+ | 1.49% | 1.50% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Business Money Market Rates
| Balance | Rate | APY** |
|---|---|---|
| $0 – $24,999.99 | 0.25% | 0.25% |
| $25,000 – $49,999.99 | 1.00% | 1.00% |
| $50,000 – $99,999.99 | 1.50% | 1.53% |
| $100,000 – $249,999.99 | 2.00% | 2.03% |
| $250,000 – $499,999.99 | 2.20% | 2.23% |
| $500,000 – $999,999.99 | 2.55% | 2.58% |
| $1,000,000 – $2,999,999.99 | 2.74% | 2.78% |
| $3,000,000 – $4,999,999.99 | 2.94% | 2.98% |
| $5,000,000 and Greater | 3.18% | 3.23% |
**Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business Savings Rates
| Balance | Rate | APY* |
|---|---|---|
| $500.00 | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business with Interest Rates
| Balance | Rate | APY* |
|---|---|---|
| $3,000.00 | 0.10% | 0.10% |
*APY accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $100.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Certificate of Deposit Specials Rates
| Term | Rate | APY* | Min. Balance |
|---|---|---|---|
| 5 Months | 3.71% | 3.75% | $1,000 |
| 10 Months | 3.94% | 4.00% | $1,000 |
| 15 Months | 3.94% | 4.00% | $1,000 |
| 23 Months | 3.99% | 4.05% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. Limited-time offer. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Charitable Checking Rates
| Product | Interest Rate | APY* |
|---|---|---|
| Charitable Account | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Consumer Certificates of Deposit Rates
| Term | Interest Rate | APY** | Min. Balance |
|---|---|---|---|
| 3 – 5 Months | 1.49% | 1.50% | $1,000 |
| 6 Months | 1.59% | 1.60% | $1,000 |
| 7 – 11 Months | 1.69% | 1.70% | $1,000 |
| 12 Months | 1.79% | 1.80% | $1,000 |
| 13 – 17 Months | 1.89% | 1.90% | $1,000 |
| 18 – 23 Months | 1.29% | 1.30% | $1,000 |
| 24 – 35 Months | 1.34% | 1.35% | $1,000 |
| 36 – 47 Months | 1.39% | 1.40% | $1,000 |
| 48 – 59 Months | 1.44% | 1.45% | $1,000 |
| 60 Months+ | 1.49% | 1.50% | $1,000 |
**Annual Percentage Yield (APY) effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
First Honor Checking Rates
| Product | Rate | APY* |
|---|---|---|
| First Honor Checking | 1.50% | 1.51% |
*Annual Percentage Yield (APY) for First Honor Checking is 1.51%. APY accurate and effective as of 10/15/26. Rates may change after account is opened. Fees may reduce earnings. Minimum balance to open account is $50.00. A $10 service fee applies if the account balance falls below the minimum balance requirement of $1,000.
Golden Advantage Certificate of Deposit & Specials Rates
| Term | Interest Rate | APY* | Min. Balance |
|---|---|---|---|
| 12 Months | 3.99% | 4.05% | $1,000 |
| 30 Months | 4.04% | 4.10% | $1,000 |
| 36 Months | 1.39% | 1.40% | $1,000 |
| 48 Months | 1.44% | 1.45% | $1,000 |
| 60 Months | 1.49% | 1.50% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. Golden Advantage members (age 55+) receive a rate bonus over standard CD specials. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Golden Advantage Money Market
| Balance | Rate | APY* |
|---|---|---|
| $2,500.00 and Greater | 2.83% | 2.88% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026 This rate is subject to change. Minimum balance to open is $2,500.00. Avoid the monthly service fee by maintaining a $2,500.00 minimum daily balance. Certain restrictions and conditions may apply. Fees may reduce earnings.
Golden Advantage Plus Checking Rates
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 – $2,499.99 | 0.03% | 0.03% |
| $2,500.00 – $24,999.99 | 0.05% | 0.05% |
| $25,000.00 – $49,999.99 | 0.05% | 0.05% |
| $50,000.00 and Greater | 0.08% | 0.08% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Health Savings Rates
| Product | Rate | APY‡ |
|---|---|---|
| Health Savings Account | 0.15% | 0.15% |
‡Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Kasasa Cash® Rates
| Balance | Min. Deposit to Open | Rate | APY* |
|---|---|---|---|
| $0.01 – $15,000.99 | $100 | 4.41% | 4.50% |
| $15,001.00 and Greater | n/a | 0.05% | 0.05% |
| All balances if qualifications not met | n/a | 0.01% | 0.01% |
*APY = Annual Percentage Yield. APYs accurate as of 10/15/2026. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: domestic ATM fees are reimbursed up to $20; balances up to $15,000.99 receive 4.50% APY; balances over $15,001.00 earn 0.05%. If qualifications are not met, all balances earn 0.01% APY. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle. Fees may reduce earnings.
Kasasa Saver® Rates
| Balance | Min. Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| $0.01 – $100,000.99 | $100.00 | 2.96% | 3.00% |
| $100,001 and Greater | $100.00 | 0.05% | 0.05% |
| All balances if qualifications not met | $100.00 | 0.01% | 0.01% |
*APY = Annual Percentage Yield. APYs accurate as of 10/15/2026. Rates may change after account is opened. If Kasasa Cash qualifications are met each monthly cycle, Kasasa Saver balances up to $100,000.99 receive 3.00% APY; balances over $100,001 earn 0.05%. If qualifications are not met, all balances earn 0.01% APY. Fees may reduce earnings.
Money Market Tiered Rates
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 – $2,499.99 | 0.25% | 0.25% |
| $2,500 – $9,999.99 | 0.50% | 0.50% |
| $10,000 – $24,999.99 | 0.75% | 0.75% |
| $25,000.00 – $49,999.99 | 1.00% | 1.00% |
| $50,000.00 – $99,999.99 | 1.25% | 1.25% |
| $100,000.00 – $249,999.99 | 2.395% | 2.43% |
| $250,000.00 – $999,999.99 | 2.49% | 2.53% |
| $1,000,000 and Greater | 2.49% | 2.53% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Avoid the $11 monthly service fee by maintaining a $2,500.00 minimum daily balance. Certain restrictions and conditions may apply. Fees may reduce earnings.
Municipal Money Market
| Balance | Rate | APY** |
|---|---|---|
| $0 – $24,999.99 | 0.25% | 0.25% |
| $25,000 – $49,999.99 | 1.00% | 1.00% |
| $50,000 – $99,999.99 | 1.36% | 1.38% |
| $100,000.00 – $249,999.99 | 1.85% | 1.88% |
| $250,000.00 – $499,999.99 | 2.05% | 2.08% |
| $500,000.00 – $999,999.99 | 2.40% | 2.43% |
| $1,000,000.00 – $2,999,999.99 | 2.59% | 2.63% |
| $3,000,000.00 – $4,999,999.99 | 2.78% | 2.83% |
| $5,000,000.00 and Greater | 3.03% | 3.08% |
**Municipal Money Market: Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $1,000.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Personal Savings Rates
| Product | Rate | APY* |
|---|---|---|
| Personal Savings | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Youth Savings Rates
| Product | Rate | APY** |
|---|---|---|
| Youth Savings | 0.10% | 0.10% |
**Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $10. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.