Rewards Checking is about placing the benefits where they belong…with you. Get rewarded with high rates or cash back when you keep doing simple banking activities you’re probably already doing.

Earn dividends on your balances with no monthly maintenance fee and no minimum balance required.

When you meet your account’s qualifications during a Monthly Qualification Cycle, you will receive:

  • 4.00% APY on all balances up to and including $10,000.00 and
  • .25% APY on balances over $10,000
  • Earn 0.05% APY on the entire balance even when qualifications are not met.
  • Up to $25 in ATM withdrawal fee refunds (max $4.99 per transaction).

To earn high dividends and ATM withdrawal refunds, simply do the following during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle.
  • Have a least one automatic payment (ACH) or direct deposit post and settle.
  • Be enrolled in and agree to receive e-Statements.

Didn’t qualify this month? Don’t worry! Your account is still free and you can qualify again the next month.

Cash Reward Checking Disclosure

Apply Now For Cash Reward Checking 

Apply Now For Cash Rewards AND Saver

Forget about saving points for rewards — Cash back Rewards Checking gives you REAL cash back when you use your check card for everyday purchases such as groceries, clothes, school supplies, even dinner out.  You also receive ATM fee refunds up to $25 nationwide*, all just for doing convenient things you probably already do. Other benefits include:

  • No monthly maintenance fees.
  • No minimum required balance.
  • Meet your account’s qualifications during a Monthly Qualification Cycle and receive 4.00% cash back on debit card purchases, up to $200.00 in total purchases.
  • Up to $8.00 total cash back per monthly qualification cycle.

To earn cash back and ATM withdrawal refunds, simply complete the following each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle.
  • Have a least one automatic payment (ACH) or direct deposit post and settle.
  • Be enrolled in and agree to receive e-Statements.

Didn’t qualify this month? Don’t worry! Your account is still free, and you can qualify again the next month.

Cash Back Reward Disclosure

Apply Now For Cash Back Reward 

Apply Now For Cash Back AND Saver

This free account works side-by-side with your Cash Reward or Cash Back Rewards Checking to help you save the easy way. That’s because every month it receives automatic deposits of the dividends and ATM refunds* you earn with Cash Reward or Cash Back Rewards.  Plus, your Kasasa Saver balance also earns a competitive rate, so it will grow even faster. All you have to do is meet the qualifications of your Kasasa Cash or Kasasa Cash Back account every monthly qualification cycle, then sit back and let the savings begin!

Earn 0.55% APY* on all Kasasa Saver balances up to and including $25,000.00 and .25% APY on balances over $25,000.00, depending on balance in account when you meet your qualifications in Kasasa Cash.  Earn 0.05% APY if qualifications are not met on Kasasa Cash.*  Since rewards are moved to savings, the dividends in your Kasasa Cash will not compound.*

Kasasa Saver must be paired with either a Kasasa Cash Checking account or a Kasasa Cash Back account. Please select the option below that describes your account opening preference:

Open a Cash Reward Checking and Rewards Saver Account 

Open a Cash Back Rewards Checking and Rewards Saver Account 

Need to add a Kasasa Saver to a Kasasa Cash?  Click here! 

Need to add Kasasa Saver to Kasasa Cash Back?  Click here! 

*Kasasa Saver® Disclosure 

The following dates apply to our Kasasa account(s). Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. Please refer to your account's Truth In Savings disclosure for your account's specific qualification requirements. To qualify for your account's rewards, all of your account's qualifying transactions must post and settle to your specific Kasasa account within the Monthly Qualification Cycle dates stated below. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning your account's rewards. 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 your account's rewards.

Cycle Date Information

Monthly Qualification Cycle

Statement Cycle





Future Monthly Qualification Cycle and Statement Cycle dates for our Kasasa accounts will be available to you via our website or through one of our Service Representatives within one of our branches.

The possibility of falling victim to a data breach, credit card fraud, or identity theft can cause worry.  With Kasasa Protect, you have access to a full range of personal defense.  For Kasasa checking account holders, protection is $7.99 per month ($12.99 for all other account holders.)  The monthly fee is automatically drafted from your checking account, so your coverage does not lapse.

Features of the Rewards Protect Suite:

  • Full-Service Identity Restoration: When fraud occurs, certified specialists file, dispute, and resolve issues with your credit or other vital records quickly and efficiently. 
  • Dark Web Monitoring: This personal watchdog scans millions of international sources in real-time, quickly spotting stolen data that could identify you.
  • Lost Wallet Protection: Cancel and replace all important documents through one point of contact. Your agent can restore your cards, licenses, passports, even traveler’s checks.
  • Credit Reporting: Receive detailed insight into your credit record with a full annual report from Experian—a trusted multinational consumer credit reporting company.
  • Monthly Credit Score & Plotter: Stay on top of your credit with regular online reports. See your score at no extra cost, view trends, and find out exactly what’s affecting your number.
  • 24/7 Credit Monitoring: Get notices about important changes in your credit report including loan data, inquiries, new accounts, judgments, and liens around the clock.
  • Activate your Kasasa Protect: Be sure to log into your Kasasa Protect account and verify your identity to receive the full complement of services. Just check your email for your activation link or visit

Kasasa Protect Enrollment Form 

Kasasa Protect® Terms & Conditions

Cash Reward Checking

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Cash Rewards  
and Saver

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Cash Back Rewards

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Cash Back Rewards 
and Saver

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To report a lost or stolen Franklin First VISA credit card, call: (800) 449-7728From outside the U.S. call: (727) 299-2449.

To report a lost or stolen Franklin First ATM or Debit/Check Card during regular business hours call: (413) 774-6700.  After hours call: (800) 472-3272