Cross County Bank (AR) Rewards Checking Available Statewide


Deal Summary: Kasasa Cash Checking, 2.01% APY, on qualifying balances up to $15k. Kasasa Saver, 1.00% APY on qualifying balances up to $10k.

Availability: Arkansas

DA has been tracking Cross County Bank’s (CCB) Kasasa brand products for about three years. The Kasasa Cash Checking currently earns 2.01% APY on qualifying balances up to $15k. Qualifying balances over $15k earn 0.20% APY, with non-qualifying balances earning 0.05% APY.

2.01*%-$15kCross BankKasasa Cash Checking
OTHER TIERS: 0.20% $15k+
Rates as of February 27, 2024.

The monthly qualifying requirements include,

  • At least 10 debit card purchases
  • At least one direct deposit or ACH debit transaction
  • Enroll in and agree to receive eStatements

The Kasasa Cash account has no monthly service fee or minimum balance requirement, but does require a minimum $10 opening deposit. Unlimited check writing is available and a free Visa debit card will be issued following account opening. Nationwide ATM fees will be reimbursed up to $30 per month, if the qualifying requirements are met. There is a limit of one Kasasa Cash account per Social Security number and may not be used as a commercial account.

Kasasa Saver

The Kasasa Saver account currently earns 1.00% APY on qualifying balances up to $10k. Qualifying balances over $10k earn 0.20% APY, with non-qualifying balances earning 0.05% APY.

1.00*%-$10kCross BankKasasa Saver
OTHER TIERS: 0.20% $10k+
Rates as of February 27, 2024.

Kasasa Cash/Kasasa Cash Back earned rewards are automatically transferred into a linked Kasasa Saver account each statement cycle. The Kasasa Saver account has no minimum balance requirement or monthly service fee, but does require a minimum $10 opening deposit. There is a limit of one Kasasa Saver account per Social Security number and a Kasasa Saver may not be used as a commercial account.

Annual Earnings of Combined Kasasa Cash Checking/Kasasa Saver Accounts

The potential combined annual earnings of a Kasasa Cash Checking account (2.01% APY/$15k) and a Kasasa Saver account (1.00% APY/$10k) is approximately $400 (1.60% APY/$25k). This Kasasa Saver's cap is smaller than the typical Kasasa Saver account. Most have caps of at least $25k.

Kasasa Cash Back

CCB’s Kasasa Cash Back account earns 3.00% cash back on the first $200 in monthly debit card purchases. If you are planning on maintaining a balance of less than $3,600, the Kasasa Cash Back account would probably be a better deal than the Kasasa Cash Checking account, as the maximum annual earnings for the Kasasa Cash Back account is $72 ($6 per month).

The Kasasa Brand

For those not familiar with the Kasasa brand, Kasasa Cash is a type of Reward Checking Account (RCA) developed by the Texas company, Kasasa, Ltd. According to the Kasasa website,

Kasasa: the free checking account that rewards each month for doing things you already do.

By performing certain actions valuable to your bank or credit union, like using your debit card or online banking, your institution makes more money, which they share with you in the form of rewards.

In case you were wondering, “Kasasa” is just a made-up word.

In a world where real-life people are too often taken for granted as account numbers,
we didn’t want to be the next [INSERT GENERIC NAME] checking account.


Headquartered in Wynne, Arkansas, Cross County Bank has a brick-and-mortar presence in Craighead and Cross Counties, but according to the online application, the Kasasa brand products are available to all Arkansas residents.

Opening Kasasa Cash, Kasasa Cash Back, or Kasasa Savings account(s) can be done online, or in person at any of the five Arkansas branches located in Cherry Valley, Hickory Ridge, Jonesboro, and Wynne (2).

We want to be able to maintain the level of service that you have become accustomed, but since limiting the spread of Coronavirus is the best protection against this virus, we are asking all customers to ask yourself if a trip inside the bank is absolutely necessary. If it is then we are asking you to please limit contact with employees and other customers once you are inside the bank.

Bank Overview

Cross County Bank has an overall health grade of "A+" at, with a Texas Ratio of 4.91% (excellent), based on March 31, 2021 data. In the past year, CCB has increased its total non-brokered deposits by $35.24 million, an excellent annual growth rate of 15.71%. Please refer to our financial overview of Cross County Bank (FDIC Certificate # 13821) for more details.

Cross County Bank is currently the 42nd largest bank headquartered in Arkansas and has been providing continuously service to northeast Arkansas communities for 130 years. The idea of opening a bank was favorite topic of the Wynne business men who gathered every day in the Commercial Hotel to discuss the news of the day.

It was under the leadership of Issac Block, a planter who owned a large amount of valuable land just outside Wynne, that this discussion amongst businessmen was transformed into an actionable plan to create a bank. In May of 1891, he persuaded 31 individuals to commit to investing $30,000, and made an application to the State of Arkansas to charter Cross County Bank. The application was promptly approved and the charter (#25) was granted on June 5, 1891. This was indeed a historic event as it was only the second bank to be established in all of Eastern Arkansas.

How the Kasasa Cash Checking Compares

When compared to the High Yield Reward Checking Accounts tracked by that are available to all Arkansas residents and have maximum qualifying balances of at least $15k, Cross County Bank’s Kasasa Cash APY currently ranks sixth.

The above rates are accurate as of 6/24/2021.

Looking for the best Reward Checking Account rates, both nationwide and state specific? Please refer to our High Yield Reward Checking Account Rates Table page.

Related Pages: Memphis checking accounts, Jonesboro checking accounts, reward checking accounts

4.51% Reward Checking Account at Cross County Bank in Arkansas
Update 7/18/09: The top rate has fallen to 4.51% APY.

Cross County Bank is offering a reward checking account called The Most Checking. It pays 4.51% APY on balances up to $30,000 (1.12% for above) and refunds ATM fees (domestic only) of up to $30 per cycle if the following monthly requirements are met:
  • 10 debit card purchases
  • one direct deposit or ACH debit
  • receive electronic statements
If these are not met, the rate falls to 0.50%. The minimum initial deposit is $100. There are no monthly service fees. Multiple accounts can be opened, but...

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