Want simple, free checking that doesn’t skimp on the essentials? Then this is the account for you.
Key Features
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No Minimum Balance Requirements
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No Monthly Service Fee
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Free Digital Banking
No Minimum Balance Requirements
No Monthly Service Fee
Free Digital Banking
- Easy, breezy, straightforward checking solution
- No monthly service fee
- No minimum balance requirements
- Unlimited check writing
- Paper statements available, fee may apply
- $100 minimum deposit to open
Plus, you’ll enjoy these convenient services:
- Free Visa® debit card
- Free digital banking services, including:
- Online banking
- Mobile banking
- eStatements
- Free digital wallet services
- Transfer funds with Zelle®
- Manage your money with a personal finance manager
Here are some links that you might find helpful:
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
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
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%
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
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
Certificate of Deposit Specials
| Term | Interest Rate | APY | Minimum Balance |
|---|---|---|---|
| 10 Months | 4.42% | 4.50% | $1,000 |
| 23 Months | 3.45% | 3.50% | $1,000 |
Annual Percentage Yield (APY) accurate and effective as of 9/30/2024. This is a limited time offer and may be withdrawn at any time. Minimum balance to open and to obtain APY is $1,000. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. All figures in examples are for product explanation and are based on a 10-month and 23-month term. Ask us for complete details.
Certificates of Deposit
| Term | Rate | APY | Minimum Balance |
|---|---|---|---|
| 3 - 5 Months | 1.00% | 1.00% | $1,000 |
| 6 Month | 1.05% | 1.05% | $1,000 |
| 7 - 11 Months | 1.10% | 1.10% | $1,000 |
| 12 - 17 Months | 1.24% | 1.25% | $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 and Longer | 1.49% | 1.50% | $1,000 |
The Minimum Opening Deposit and Minimum Balance Requirement is $1,000 for Terms 60 Months or less and $25,000 for Terms 72 Months or greater.
Please see our Disclosure information
Checking and Savings Accounts
| Product | Interest Rate | APY | Balance |
|---|---|---|---|
| Charitable Account | 0.10% | 0.10% | |
| Health Savings Account | 0.15% | 0.15% | |
| Jackpot Savings | 0.10% | 0.10% | |
| Savings Accounts | 0.10% | 0.10% | |
| Golden Advantage Plus | 0.025% | 0.03% | $0.00-$2,499.99 |
| Golden Advantage Plus | 0.05% | 0.05% | $2,500.00-$49,999.99 |
| Golden Advantage Plus | 0.075% | 0.076% | $50,000.00 and Greater |
| Youth Savings Account | 0.10% | 0.10% |
Please see our Disclosure information
Golden Advantage Certificate of Deposits and Specials
| Term | Interest Rate | APY | Minimum Balance |
| 12 months | 4.52% | 4.60% | $1,000 |
| 30 months | 3.46% | 3.50% | $1,000 |
| 36 months | 1.39% | 1.40% | $1,000 |
| 60 months | 2.97% | 3.00% | $1,000 |
**Annual Percentage Yield (APY) accurate and effective as of 9/30/2024. This is a limited time offer and may be withdrawn at any time. Minimum balance to open and to obtain APY is $1,000. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. All figures in examples are for product explanation and are based on a 12-month, 30-month, and 60-month term. Ask us for complete details.
Jumbo Certificates of Deposit
| Term | Rate | APY | Minimum Balance |
|---|---|---|---|
| 1 - 2 Months | 1.00% | 1.00% | $100,000 |
| 3 - 5 Months | 1.09% | 1.10% | $100,000 |
| 6 Months | 1.15% | 1.15% | $100,000 |
| 7 - 11 Months | 1.19% | 1.20% | $100,000 |
| 12 Months and Longer | 1.34% | 1.35% | $100,000 |
The Minimum Opening Deposit and Minimum Balance Requirement is $1,000 for Terms 60 Months or less and $25,000 for Terms 72 Months or greater.
Please see our Disclosure information
Kasasa Cash*
| Balance | Minimum Deposit to Open | Interest Rate | APY |
|---|---|---|---|
| $100 - $15,000 | $100 | 4.89% | 5.00% |
| $15,000+ | NA | 0.05% | 0.05% |
| All balances if qualifications not met | NA | 0.01% | 0.01% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- Have at least 10 debit card purchases post and settle
- Be enrolled and receive eStatement notice
- Have at least 1 direct deposit or 1 ACH auto debit post and settle
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month.
Kasasa Saver*
| Balance | Minimum Deposit to Open | Interest Rate | APY |
|---|---|---|---|
| $0 - $100,000 | $0 | 2.96% | 3.00% |
| $100,000+ | $0 | 0.05% | 0.05% |
| All balances if qualifications not met | $0 | 0.01% | 0.01% |
Qualifications
Qualifying for your Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- Have at least 10 debit card purchases post and settle
- Be enrolled and receive eStatement notice
- Have at least 1 direct deposit or 1 ACH auto debit post and settle
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.
Money Market
| Balance | Rate | APY |
|---|---|---|
| $0.00 - $24,999.99 | 0.25% | 0.25% |
| $25,000.00 - $49,999.99 | 0.35% | 0.35% |
| $50,000.00 - $249,999.99 | 0.50% | 0.50% |
| $250,000.00 and Greater | 0.65% | 0.65% |
Municipal Money Market
| Balance | Rate | APY |
|---|---|---|
| $1,000.00 and Greater | 0.15% | 0.15% |
Signature Money Market*
| Balance | Rate | APY |
|---|---|---|
| $0.00 - $24,999.99 | 0.00% | 0.00% |
| $25,000.00 - $49,999.99 | 0.00% | 0.00% |
| $50,000.00 - $249,999.99 | 4.27% | 4.35% |
| $250,000.00 and Greater | 4.27% | 4.35% |
*Annual Percentage Yield (APY) accurate and effective as of 9/30/24. The minimum balance to obtain interest on the Signature Money Market is $50,000. An $11 service fee applies if the account balance falls below the minimum balance. This offer is for new money not currently on deposit with Blue Ridge Bank.