Do You Kasasa? A free checking account that rewards you in ways that matter most.

Get more as a member than ever before. Open your Kasasa® Cash checking account and start earning high dividends* and refunds on ATM fees nationwide*. And the earning is easy by using free, standard account services.

  • 1.50% APY* on balances up to $9,999.99
  • 0.25% APY* on balances $10,000 or greater
  • Up to $30 nationwide ATM fee refunds*
  • No monthly fee
  • No minimum deposit
  • No minimum daily balance required to earn rewards
  • No direct deposit requirements
  • Overdraft Protection

Earn even more automatically when linked to a high dividend Kasasa Saver account.

Qualifying for Kasasa Cash rewards is easy! Simply do the following during each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle to your account
  • Be enrolled in eStatements
  • Be enrolled and log into Online or Mobile Banking at least once

If for any reason you didn't qualify for rewards in any given qualification cycle, you still get free unlimited checking and earn our base interest rate on balances. Qualify on the next cycle and you're back to earning Kasasa Cash rewards!

Free Account Services
Valley First accounts come loaded with many free services for members to access and manage their accounts.

  • Online Banking
  • Mobile Banking App (available for Apple and Android devices)
  • Visa® Debit Card
  • eStatements
  • Bill Pay**
  • Valleyline (24/7 Audio Account Access)

*APY=Annual Percentage Yield. APYs accurate as of 1/1/2014. Rates subject to change. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Up to $30.00 in ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $9,999.99 receive APY of 1.5%; and (3) balances $10,000 or greater earn 0.25% dividend rate on the portion of the balance $10,000 or greater, resulting in 1.5% -0.36% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle 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, subject to weekends and holidays. The advertised Kasasa Cash APY is based on compounding dividend. Dividend earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual dividend amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. ATM receipt may be required. Limit one account per SSN.
**Bill Pay service free when used monthly. Monthly dormant fee after two consecutive months of inactivity.