Skip to content

Enjoy free checking that pays high interest.* Kasasa Cash® checking has no monthly service charge or minimum balance to earn rewards. We’ll even reimburse your ATM fees nationwide.* All you have to do to qualify are a few things that make banking easier anyway. Do you Kasasa?®

View Rates Calculate Rewards Reorder Checks

Do you currently have an account with The Dime Bank?

  • Free checking account that pays really high interest*
    • Earn 2.25% APY* on balances up to $20,000.00*
    • Earn 2.25% to 0.67% APY on balances over $20,000.00 depending on balance in account*
    • Earn 0.05% APY* if qualifications are not met
  • Unlimited reimbursements on ATM fees nationwide (up to $4.99 per single transaction)*
  • Link to your free Kasasa Saver® savings account to build savings quickly*
    • Rewards are transferred automatically
  • No monthly service charge
  • No minimum balance requirements to earn rewards
  • Free debit card
  • Free financial consultation 
  • Free telephone banking 866-DIAL-MY-Dime (866-342-5693)
  • Free eServices, including:
    • Online Banking (Dime On Line) & Bill Pay
    • Mobile Banking (Mobile Dime) & Apps (other service providers may impose a surcharge)
    • smsGuardian™ Text Alert Service
    • Mobile Deposit (Dime Deposit Everywhere)
    • Mobile Wallet
    • Interbank Transfers
    • Pay a Person
    • Statements
  • $50.00 minimum deposit to open

View the 2019 Monthly Qualification Calendar.

View the 2020 Monthly Qualification Calendar

How to Earn Rewards

Earning rewards is simple. In fact, you probably do these things already!  To qualify, do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and log into online banking
  • Be enrolled in and receive eStatement notice

That’s it! And if for some reason you don’t qualify, there’s always next month! Your account is still free, plus you still earn interest. You can get back to earning your full rewards the very next monthly qualification cycle.

*APY = Annual Percentage Yield.  APYs accurate as of 06/03/19.  Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Qualifications Information:  Account transactions and activities may take one or more business 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 The Dime Bank as ATM transactions and purchases made with non-The Dime Bank issued debit cards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) 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 $20,000.00 receive 2.25% APY; and balances over $20,000.00 earn 0.35% interest rate on the portion of the balance over $20,000.00, resulting in a range from 2.25% to 0.67% APY (the APY will vary based on account balance).  This range assumes a $20,000.01 - $120,000.00 account balance, although higher balances are accepted; and (2) you will receive unlimited reimbursements (up to $4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. If you believe you have not been reimbursed the correct amount of ATM fees, you must contact us within thirty (30) calendar days after the statement cycle where the reimbursement was applicable in order to receive a reimbursement. 

When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM fees are not reimbursed.

Interest earned and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the statement cycle. 

Additional Information:  Account approval, conditions, qualifications, limits, timeframes and other requirements apply.  A $50.00 minimum deposit is required to open the account. Enrollment in online banking, electronic statements (eStatements), log-ons, and debit card transactions are required to meet the account’s qualifications. Limit of one (1) account per Social Security number. There are no recurring monthly service charges or fees to open or close this account.  

The advertised Kasasa Cash APY is based on compounding interest.  When linked to the Kasasa Saver, the interest earned in the Kasasa Cash checking does not compound because it is transferred to the Kasasa Saver.  Interest earned and ATM fees reimbursed will be transferred from the Kasasa Cash Checking account to the Kasasa Saver on the first business day following the end of the statement cycle. Interest is compounded in the Kasasa Saver. The Kasasa Saver APYs may be less than the Kasasa Cash checking account APYs.  If qualifications in Kasasa Cash are met each monthly qualification cycle, balances up to $50,000.00 in Kasasa Saver receive 1.01% APY; and balances over $50,000.00 in Kasasa Saver earn 0.35% interest rate on the portion of balance over $50,000.00, resulting in a range from 1.01% to 0.57% APY (the APY will vary based on account balance).  This range assumes a $50,000.01 - $150,000.00 account balance, although higher balances are accepted.  If qualifications are not met in Kasasa Cash, all balances in Kasasa Saver earn 0.05% APY.

Contact one of The Dime Bank’s service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of BancVue, Ltd., registered in the U.S.A.