FNB Bank Kasasa Brand Products Available In WV, MD, and VA


Deal Summary: Kasasa Cash, 2.50% APY on qualifying balances up to $20k. Kasasa Saver, 1.00% APY on qualifying balances up to $100k.

Availability: Portions of West Virginia, Virginia, and Maryland.

West Virginia-based FNB Bank has added the Kasasa brand to its product line. The Kasasa Cash currently earns 2.50% APY on qualifying balances up to $20k. Qualifying balances greater than $20k earn 0.25% APY, with non-qualifying balances earning 0.01% APY.

The monthly qualification requirements are easily fulfilled and do not include a direct deposit or ACH transaction requirement.

  • At least 12 debit card purchases
  • Be enrolled in eStatements
  • Log in to online or mobile banking at least once per statement cycle

The Kasasa Cash account has no minimum balance requirement or monthly service fee, but does require a minimum $50 opening deposit. Unlimited check writing is available and a free Mastercard® debit card will be issued after account opening. Unlimited nationwide ATM fees up to a monthly aggregate of $25 (maximum $4.99 per individual transaction) will be reimbursed, if qualifications are met. There is a limit of one account per Social Security number and a Kasasa Cash account may not be used for commercial purposes. A Kasasa Cash/Kasasa Cash Back account is required to have a Kasasa Saver account.

Kasasa Saver

The Kasasa Saver account currently earns 1.00% APY on qualifying balances up to $100k. Qualifying balances over $100k earn 0.25% APY, with non-qualifying balances earning 0.01% APY.

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 $50 opening deposit. There is a limited 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/Kasasa Saver Accounts

The potential combined annual earnings of a Kasasa Cash account (2.50% APY/$20k) and a Kasasa Saver account (1.00% APY/$100k) is approximately $1,500 (1.25% APY/$120k), which is an unusually high rate for such a large balance in a rewards checking/savings account combo. Maintaining a $50k balance in a Kasasa Saver would generate annual earnings of approximately $1,000 (1.43% APY/$70k).

Kasasa Cash Back

The Kasasa Cash Back account offered by FNB Bank currently earns 2.50% cash back on debit card purchases, limited to $320 of monthly purchases. If you are planning on maintaining a balance of less than $3,800, the Kasasa Cash Back account would probably be a better deal than the Kasasa Cash account, as the maximum annual earnings for the Kasasa Cash Back account is $96 ($8 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 Romney, West Virginia, FNB Bank offers its Kasasa brand products online, but the answer to “Who is eligible to open a Kasasa account” is (to quote an FNB Bank official) “not a simple one.” The online application is programmed to accept specific Zip Codes, which are roughly within a 50-mile radius of the five West Virginia branches, including portions of western Maryland and Virginia. Filling out the first page of the online application is the only way to determine eligibility.

Opening a Kasasa Cash, Kasasa Cash Back, and/or Kasasa Saver account(s) can be done online, or at any of the four West Virginia branches, located in Capon Bridge, Fort Ashby, and Romney (2). There is no mention of any COVID-related branch restrictions listed on FNB Bank’s website.

Bank Overview

FNB Bank has an overall heath grade of "A" at DepositAccounts.com, with a Texas Ratio of 1.55% (excellent) based on March 31, 2021 data. In the past year, FNB Bank has increased its total non-brokered deposits by $31.02 million, an excellent annual growth rate of 21.21%. Please refer to our financial overview of FNB Bank (FDIC Certificate # 6794) for more details.

Established in 1910, FNB Bank was originally known as The First National Bank of Romney. (One of the two oldest cities in West Virginia, Romney was established in 1762 by the legislative body of the Colony of Virginia.) The FNB Bank rebrand occurred in 2004, following withdrawal from the Federal Reserve System and accepting the FDIC as its Primary Federal Regulatory Agency. FNB Bank is currently the 24th largest bank headquartered in West Virginia, with assets of nearly $245 million and more than 11,000 customer accounts.

How the Kasasa Cash Compares

When compared to the High Yield Rewards Checking Accounts tracked by DepositAccounts.com that are available within the market area and have maximum qualifying balances of at least $20k, FNB Bank’s Kasasa Cash APY currently ranks second.

The above information and rates are accurate as of 6/14/2021.

To look 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: Washington checking accounts, Clarksburg checking accounts, reward checking accounts


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.