Keystone Bank (TX) Kasasa Cash Earns 3.50% APY Up To $50k


Deal Summary: Kasasa Cash, 3.50% APY on qualifying balances up to $50k; Kasasa Saver, 2.00% APY on qualifying balances up tot $100k; $25 minimum opening deposit for both accounts.

Availability: Online market area includes 11 Texas counties.

Keystone Bank’s Kasasa Cash earns 3.50% APY on qualifying balances up to $50k. Qualifying balances above $50k earn 0.25% APY, with non-qualifying balances earning 0.05% APY. The Kasasa Cash can be opened with minimum $25 deposit.

3.50*%-$50kKeystone Bank (TX)Kasasa Cash
OTHER TIERS: 0.25% $50k+
Rates as of September 17, 2019.

Qualifying Requirements

  • At least one ACH credit or ACH payment transaction
  • At least 12 debit card purchases, minimum of $3.50 each
  • Receive eStatements

The Kasasa Cash has no monthly service fee or minimum balance requirement. Nationwide ATM fees will be reimbursed up to an aggregate total of $25 per statement cycle. There is a limit of one account per Social Security number.

Kasasa Saver

Meeting the qualifications for the Kasasa Cash account automatically qualifies for the highest rate available (2.00% APY up to $100k) on the companion Kasasa Saver account. Qualifying balances above $100k earn 0.25% APY, with non-qualifying balances earning 0.05% APY.

Like the Kasasa Cash account, the Kasasa Saver has no monthly service fee or minimum balance requirement, and is limited to one per Social Security number.


Headquartered in Austin, Texas, Keystone Bank’s online market area includes the Central Texas counties of Burnet, Coleman, Concho, Hays, Runnels, Travis, and Williamson, and the West Texas counties of Coke, Nolan, Taylor, and Tom Green.

In addition to being opened online, a Kasasa Cash account can also be opened at Keystone Bank’s sole branch located on Bee Cave Road in Austin.

Bank Overview

Keystone Bank has an overall health grade of "A" at, with a Texas Ratio of 0.31% (excellent), based on December 31, 2018 data. In the past year, the Bank has increased its total non-brokered deposits by $10.16 million, an excellent annual growth rate of 26.88%. Please refer to our financial overview of Keystone Bank (FDIC Certificate # 34456) for more details.

Keystone Bank is the new kid on the block in the Austin, Texas area. Launched in October of 2018 with the purchase of Ballinger National Bank, Keystone Bank relocated its headquarters from Ballinger to Bee Cave, a suburb of Austin. In December, Keystone Bank announced it had entered into a purchase and assumption to acquire certain assets and deposits associated with Green Bank’s Austin branch. A total of $31 million from 185 investors was raised to secure the buyout, and on May 11, 2019, Green Bank in Austin reopened as Keystone Bank.

How Kasasa Cash Compares

When compared to the High Yield Reward Checking Accounts tracked by that are available in the Bank’s market area and have maximum qualifying balances of at least $50k, Keystone Bank’s Kasasa Cash APY currently ranks second.

The above rates are accurate as of 5/18/2019.

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: Austin checking accounts, reward checking accounts


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