Compare Our Accounts
High Interest
Kasasa Cash®
Learn MoreFees
FREE
Best For
High Balances
Rewards
- 5.04% APY* on balances up to $20,000
- 5.04% to 0.54% APY on balances over $20,000 depending on balance in account*
- 0.05% APY* if qualifications aren't met
- Can link to a high-interest, free Kasasa Saver® account for effortless saving
Qualifications
- At least 1 ACH credit or ACH payment transaction
- At least 15 debit card purchases
- Enroll and receive e-statements
Monthly Maintenance Fee
$0
Free ATMs?
Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
Free online & mobile banking?
Yes
Free bill pay with 3 transactions per month?
Yes
Free mobile deposit?
Yes
Free debit card?
Yes
Minimum Opening Deposit
$50
Cash Back
Kasasa Cash Back®
Learn MoreFees
FREE
Best For
Debit Card Transactions
Rewards
- 5.00% cash back on debit card purchases*
- No category restrictions on purchases
- Cash back earned on up to $200 in purchases monthly
- Earn up to $120 cash back per year, $10 per month
- Can link to a high-interest, free Kasasa Saver® account for effortless saving
Qualifications
- At least 1 ACH credit or ACH payment transaction
- At least 15 debit card purchases
- Enroll and receive e-statements
Monthly Maintenance Fee
$0
Free ATMs?
Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
Free online & mobile banking?
Yes
Free bill pay with 3 transactions per month?
Yes
Free mobile deposit?
Yes
Free debit card?
Yes
Minimum Opening Deposit
$50
Refunds for Streaming
Free Kasasa Play Checking ™
Learn MoreFees
FREE
Best For
Streaming Content
Rewards
-
Refunds on debit card purchases for music, video, gaming, and other select streaming services monthly†
-
Earn as much as $144 cash back per year, $12 per month
-
Streaming services include Spotify®, Netflix®, Twitch®, and many more
-
Can link to a high-interest, free Kasasa Saver® account for effortless saving
Qualifications
- At least 1 ACH credit or ACH payment transaction
- At least 15 debit card purchases
- Enroll and receive e-statements
Monthly Maintenance Fee
$0
Free ATMs?
Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)†
Free online & mobile banking?
Yes
Free bill pay with 3 transactions per month?
Yes
Free mobile deposit?
Yes
Free debit card?
Yes
Minimum Opening Deposit
$50
Travel Club Membership
Spirited 50 Senior Checking
Learn MoreFees
FREE
Best For
Seniors
Rewards
- Membership in ESB's Spirited 50 Travel Club
- Free ESB Logo wallet checks every 12 months
Qualifications
- N/A
Monthly Maintenance Fee
$0
Free ATMs?
No
Free online & mobile banking?
Yes
Free bill pay with 3 transactions per month?
Yes
Free mobile deposit?
Yes
Free debit card?
Yes
Minimum Opening Deposit
$50
View All Checking Accounts
Kasasa Cash:
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, 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 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. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $20,000 receive APY of 5.04%; and balances over $20,000 earn 0.53% interest rate on the portion of balance over $20,000, resulting in a range from 5.04% to 0.54% APY depending on the account's balance and (2) you will receive reimbursements up to an aggregate total of $20 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM withdrawal fees are not refunded. Interest and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. Rates and rewards are variable and may change after account is opened. 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. Monthly Direct Deposit/ACH Withdrawal and receipt of electronic statements are conditions of these accounts. Limit 1 account per social security number. Early closing fee of $30 if account is closed within 60 days after date opened. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
Kasasa Cash Back:
*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, 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 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. Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 5.00% cash back on up to a total of $200.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to an aggregate total of $20 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of current statement cycle. Rates and rewards are variable and may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. Monthly Direct Deposit/ACH Withdrawal and receipt of electronic statements are conditions of these accounts. Limit 1 account per social security number. Early closing fee of $30 if account is closed within 60 days after date opened. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
Free Kasasa Play Checking :
†Kasasa Play Disclaimer
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 institution as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our institution. 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. In order to properly distribute the account’s streaming services’ refunds; the description field, within the debit card transaction record we receive, must identify one of our current Kasasa Play merchants. If you feel we have not properly identified a valid debit card transaction, please bring the transaction receipt to one of our locations, within sixty (60) days of purchase, so we can research and adjust your rewards, as necessary. Refer to https://www.kasasa.com/play-partners or visit one of our locations for a current list Kasasa Play merchants.
If "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. Contact one of our branch representatives for specific Monthly Qualification and Statement Cycle dates.
Reward Information:
When Kasasa Play qualifications are met during a Monthly Qualification Cycle, you will earn refunds, up to a combined, aggregate maximum of $12 on debit card purchases, made with music, video, gaming and other digital streaming services identified at https://www.kasasa.com/play-partners, that post and settle to the account during that cycle period. Your account’s debit card made be used for any transaction, but the account’s streaming services’ refunds are only valid at and will only be applied to debit card purchases made with one of our identified retailers. Refer to https://www.kasasa.com/play-partners or visit one of our locations for a current list Kasasa Play merchants.
You will receive reimbursements up to an aggregate total of $20 for nationwide ATM withdrawal fees incurred within your Kasasa Play account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.
When your Kasasa Play account qualifications are not met, debit card purchases, and ATM withdrawal fees are not refunded.
Debit card refunds and nationwide ATM withdrawal fee reimbursements earned will be credited to your Kasasa Play account on last day of the current statement cycle.
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. Kasasa Play merchants are subject to change at any time without notice to you. Please refer to https://www.kasasa.com/play-partners or visit one of our locations for a current list of Kasasa Play merchants.
Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the Kasasa Play account. See accompanying schedule of [Consumer Fees and Charges] for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 1 account(s) per Social Security Number. 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. Contact one of our institution’s service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Member FDIC. Kasasa and Kasasa Play are trademarks of Kasasa, Ltd., registered in the U.S.A.